CTC to In-Hand Calculator

Annual CTC

₹12.0L

₹3L

₹1Cr

Basic %

40%

30%

60%

Tax Regime

Positive: Excellent Take-Home

You take home 95% of your CTC — excellent ratio.

•Your salary structure is well-optimized — invest the surplus wisely

•Max out 80C (₹1.5L) and 80D (₹25-50K) before looking at other deductions

Monthly In-Hand

₹95,000

Take-home: 95%

Monthly Gross₹1,00,000

PF Deduction₹4,800

Professional Tax₹200

Monthly TDS₹0

Take-Home %95%

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Learn more about CTC & In-Hand Salary

What is CTC?

Cost to Company (CTC) is the total expenditure a company incurs on an employee per year. It includes your basic salary, HRA, PF (both employer and employee), gratuity, bonuses, and other benefits. Your actual take-home (in-hand) salary is always lower than CTC.

CTC Breakdown

Basic Salary — typically 40-50% of CTC. It forms the base for PF, HRA, and gratuity calculations. A higher basic means more PF but also more taxable income.

PF (Provident Fund) — 12% of basic is deducted from your salary, and employer matches another 12%. This is retirement savings, not take-home.

Professional Tax — a state-level tax capped at ₹2,400/year (₹200/month). Applicable in most states.

Tips to Maximize Take-Home

01Negotiate CTC, not in-hand. Employer PF contribution is part of CTC but builds your retirement — don't ask to reduce it.

02Restructure with higher HRA. If you pay rent, a higher HRA component reduces taxable income in Old Regime.

03Choose the right tax regime. New Regime has lower rates but no deductions. Old Regime benefits those with high deductions.

04Claim all eligible deductions. 80C, 80D, HRA, LTA — every deduction directly increases your in-hand salary.

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Ask HR to restructure salary with higher HRA — it reduces taxable income in Old Regime.

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