CTC Calculator - Calculate In-Hand Salary from CTC
Decompose your Cost to Company (CTC) package into gross salary, deductions, and monthly in-hand take-home pay.
CTC Breakup Inputs
CTC Breakup Result
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Calculation Methodology & Rules
The CTC to In-Hand Calculator helps you break down your salary package to find your real monthly take-home income.
Salary Decomposition Workflow
- Employer Component Removal: We subtract Employer EPF and Gratuity from your CTC to determine your Gross Salary.
- Employee Deductions: We deduct Employee EPF (12% of basic) and Professional Tax (~₹2,400/yr).
- Income Tax Computation: We compute income tax on your Gross Salary based on your chosen regime (reusing Ganakam's verified tax engines).
- In-Hand Calculation: Your monthly in-hand is the remaining amount divided by 12.
Already know your gross salary (excluding employer benefits)? You can directly use our Take-Home Salary Calculator.
Frequently Asked Questions
CTC (Cost to Company) is the total amount an employer spends on an employee per year, including employer contributions like EPF and gratuity. In-Hand salary is the actual net cash you receive in your bank account monthly after subtracting these employer contributions, tax deductions (TDS), Employee PF, and professional tax.
Gratuity is a statutory benefit paid to an employee after completing 5 or more years of continuous service. Since it is a future liability paid by the employer, companies include the accrued annual value (about 4.81% of basic salary) in the CTC package even though it is not part of your monthly payout.
Under EPFO rules, the statutory monthly wage ceiling for EPF contributions is ₹15,000. Employers can choose to limit both employer and employee PF contributions to 12% of ₹15,000 (₹1,800/month or ₹21,600/year) rather than calculating it on the full basic salary.