In-Hand Salary

Calculate your exact in-hand (take-home) salary from CTC in India. Deduct PF, professional tax, income tax TDS and HRA to find your net monthly salary.

In-Hand Salary Calculator

Calculate your exact take-home salary from CTC

Annual CTC Rs 10,00,000
Rs
Basic salary % of CTC 40%
%
HRA % of basic 50%
%
Tax-saving investments (80C etc.) Rs 1,50,000
Rs
Tax regime New
Monthly in-hand salary
---
take-home per month
Annual in-hand
---
per year
Effective take-home %
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of CTC
Monthly gross salary---
Employee PF (12% of basic)---
Monthly TDS---
Professional tax---
Net in-hand salary---

Approximate calculation. Actual salary depends on your payslip structure, state PT rates, and declared investments.

Monthly salary breakdown
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ThriftRupee Insight

Most Indians are shocked by the gap between CTC and in-hand salary. A Rs 10 lakh CTC typically yields Rs 68,000-72,000 in hand -- about 82-86% of the monthly gross. The biggest deductions are PF (12% of basic), income tax TDS (based on regime and investments), and professional tax (Rs 200/month in most states). Negotiate CTC components carefully -- maximising basic increases PF but also HRA eligibility. Flexible benefit plans (FBP) can help optimise take-home.

In-Hand Salary Calculator India 2026

Calculate your exact take-home salary from CTC. Deduct employee PF, income tax TDS (old and new regime), and professional tax to find net monthly in-hand salary.

Frequently asked questions

How is in-hand salary calculated from CTC?▼
In-hand salary = Gross salary - PF employee contribution - Income tax TDS - Professional tax - Other deductions. Gross salary = CTC - Employer PF - Gratuity provision - Other employer costs. Key deductions: Employee PF = 12% of basic, Professional tax = Rs 200/month (most states), TDS = based on tax slab and declared investments. Net take-home is typically 75-88% of CTC depending on salary level.
What is the difference between CTC, gross salary, and in-hand salary?▼
CTC (Cost to Company) = Everything the employer spends, including employer PF, gratuity provision, insurance, perks. Gross salary = CTC minus employer-side costs = what shows on payslip before deductions. In-hand / net salary = Gross minus employee PF, TDS, professional tax, and other deductions. CTC is a marketing number -- always ask for gross salary and net salary breakup during job negotiations.
How can I increase my in-hand salary without a raise?▼
Declare all tax-saving investments (80C, 80D, HRA, LTA) to reduce TDS. Choose the new tax regime if you have fewer deductions and lower tax slab. Restructure salary to include more tax-free components (meal allowance Rs 2,200/month, phone reimbursement, books/periodicals). Opt for NPS corporate contribution (employer NPS up to 10% of basic is tax-free under 80CCD(2) beyond 80C limit).

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