CTC to In-Hand Calculator

CTC (Cost to Company) is the total cost to your employer. In-hand = Gross Salary − PF (employee) − Professional Tax − TDS. Gross salary itself is CTC minus employer PF and other benefits.

Deductions include 12% PF on basic, professional tax (₹200/mo in most states), and TDS based on your tax slab. Together they typically reduce in-hand to 70-80% of CTC.

For ₹12 LPA in a metro with statutory PF and new tax regime, in-hand is typically ₹90,000–₹94,000/month (90-94% of CTC). With full 12% PF it drops to ₹88,000–₹91,000. At higher CTC (₹20L+), TDS rises sharply and take-home falls to 75-85%.

Yes. HRA is typically 40-50% of basic salary and is included in CTC. HRA can be partially exempt from tax under Section 10(13A) in the old regime.

Professional tax is a state-level tax deducted by employers. Karnataka and Maharashtra charge ₹200/month (max ₹2,400/year). Some states like Delhi have no professional tax.

Voluntary PF reduces your take-home but earns 8.25% tax-free in the old regime. In the new regime, the tax benefit is absent, so it depends on your risk appetite.

Gratuity is payable after 5+ years of service at the rate of 15 days basic per year. Some employers include it in CTC (4.81% of basic). It is not part of monthly take-home.

Metro cities (Mumbai, Delhi, Kolkata, Chennai) attract 50% HRA on basic vs 40% for non-metro. This affects tax exemption in old regime and net in-hand.