Salary Calculator
Calculate your in-hand salary from CTC, including PF, professional tax and income tax deductions.
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%
Monthly In-Hand₹1,13,356
CTC Breakup (Annual)
Basic Salary₹6,00,000
HRA₹3,00,000
Special Allowance₹5,78,400
Employer PF₹21,600
Deductions (Annual)
Employee PF₹21,600
Professional Tax₹2,400
Income Tax₹94,130
Total Deductions₹1,18,130
Annual In-Hand₹13,60,270
Frequently Asked Questions
What is CTC and how is it different from in-hand salary?▼
CTC (Cost to Company) is the total amount a company spends on you, including employer PF contribution, gratuity, insurance, etc. In-hand salary is what you actually receive after all deductions (PF, professional tax, income tax).
How is PF calculated?▼
Employee PF is 12% of basic salary (capped at ₹15,000 basic for statutory PF, i.e., max ₹1,800/month). Many companies contribute on full basic. Employer matches this contribution, which is part of CTC but not your in-hand pay.
What is Professional Tax?▼
Professional Tax is a state-level tax on salaried individuals, capped at ₹2,500/year. Most states charge ₹200/month, though rates vary. Some states like Rajasthan don't levy it.
Is this calculator accurate for all companies?▼
Salary structures vary across companies. This calculator uses a common structure (Basic 40-50% of CTC, HRA 50% of Basic, etc.). Your actual components and deductions may differ — refer to your offer letter or payslip for exact figures.
This calculator provides estimates for informational purposes only. Actual outcomes may vary based on applicable laws, financial institutions, products and individual circumstances.