💰 Salary In-Hand Calculator
Calculate your monthly take-home salary from CTC (India).
💰 Salary In-Hand Calculator (CTC to Take Home Salary)
The Salary In-Hand Calculator helps you estimate how much salary you actually receive every month after deductions like PF, professional tax, and income tax. Many employees know their CTC, but are confused about the real take-home salary — this calculator solves that problem instantly.
Using GovtXpress Salary Calculator, you can quickly convert annual CTC to monthly in-hand salary with a clear salary breakup.
📌 What is In-Hand Salary?
In-hand salary is the amount that gets credited to your bank account every month after all mandatory deductions.
It is calculated after subtracting:
- Provident Fund (PF)
- Professional Tax
- Income Tax (approximate)
- Other standard deductions
👉 In-hand salary is always lower than CTC.
🧮 How Salary In-Hand is Calculated?
The calculation follows a standard salary structure used by most Indian companies:
- Basic Salary – Usually 40% or 50% of CTC
- HRA (House Rent Allowance) – A percentage of basic salary
- PF Deduction – 12% of basic salary
- Professional Tax – Fixed monthly deduction
- Income Tax – Based on selected tax regime
After deducting these components, you get your monthly and annual take-home salary.
📊 What This Salary Calculator Shows
- ✅ Monthly In-Hand Salary
- ✅ Annual Take-Home Salary
- ✅ Basic Salary amount
- ✅ HRA amount
- ✅ PF deduction
- ✅ Approximate income tax
This makes it easy to understand your salary breakup clearly.
👨💼 Who Should Use This Calculator?
This calculator is useful for:
- Freshers joining their first job
- Private sector employees
- Job switchers comparing offers
- HR & payroll estimation
- Anyone who knows CTC but not in-hand salary
⚠️ Important Disclaimer
⚠️ This calculator provides an estimated in-hand salary. Actual salary may vary depending on company policy, tax rules, allowances, and individual deductions.
The calculation is meant for quick understanding and comparison, not as a final salary slip.
❓ Frequently Asked Questions (FAQ)
What is CTC?
CTC (Cost to Company) is the total salary package, including basic salary, allowances, bonuses, and employer contributions.
Why is in-hand salary less than CTC?
Because CTC includes components like PF, tax, and benefits that are not paid directly in cash.
Is PF deducted from basic salary?
Yes, PF is usually 12% of basic salary.
Which tax regime is better?
It depends on your deductions. This calculator gives an approximate view, not tax advice.
🚀 Why Use GovtXpress Salary Calculator?
✔ Fast & free
✔ Mobile-friendly
✔ Simple UI
✔ No login required
✔ Accurate estimation
✔ Made for Indian salary structure