Convert your CTC to actual monthly in-hand salary. Get the full breakdown — Basic, HRA, Special Allowance, employer PF, gratuity, employee PF, professional tax, and estimated income tax. Updated for FY 2025-26 (Budget 2025).
Annual Breakdown:
Less: Deductions
CTC (Cost to Company) is the headline number on your offer letter — it's the total annual cost your employer bears for you. But you don't get all of it in your bank account.
Your actual salary structure may differ — request your salary slip or offer letter breakdown for precise numbers.
CTC = total annual cost to employer. In-hand = bank credit after PF, Prof Tax, and TDS. Typically in-hand is 65–80% of CTC.
In-hand = CTC − Employer PF − Gratuity − Employee PF − Prof Tax − TDS. The calculator uses standard 50/50/40 splits — your actual may vary.
State-level tax on salaried employees. Max ₹2,500/year (~₹208/month). Most states levy it.