What is the In-hand Salary Calculator? An in-hand salary calculator breaks your CTC into what reaches your bank account each month, after PF, gratuity, professional tax and income tax.
How to use the In-hand Salary Calculator
- Choose the new or old tax regime.
- Enter your annual CTC and the basic pay share.
- Say how your employer calculates PF and whether gratuity is in CTC.
- Read your monthly in-hand pay and where the rest goes.
Frequently asked questions
Why is my in-hand salary lower than CTC divided by 12?
CTC includes your employer's PF and gratuity, which are not paid monthly, and your own PF, professional tax and income tax are deducted from gross pay.
How is PF calculated?
At 12% of basic + DA from you and from your employer; some employers calculate it on the ₹15,000 wage ceiling (₹1,800 a month).
Results are estimates based on the inputs you enter, not guaranteed returns or financial advice.