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HomeToolsHRSalary Breakup Calculator

Salary Breakup Calculator

An in-hand salary calculator converts annual Cost to Company (CTC) into your actual monthly take-home salary. It breaks down earnings into Basic Salary, HRA, and Special Allowances, while accounting for mandatory deductions like Employee Provident Fund (PF), Professional Tax (PT), and income tax under Indian tax rules.

Quick Presets:

Monthly in-hand

₹55,000

Monthly gross

₹60,000

Total deductions

₹5,000

Annual in-hand

₹6,60,000

Basic: ₹40,000 · HRA: ₹20,000 · PF (employee): ₹4,800

Estimate for planning. Actual payroll may include custom allowances and IT exemptions.

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  • Leave Balance Calculator
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What is an In-Hand Salary Calculator?

An in-hand salary calculator converts annual Cost to Company (CTC) into your actual monthly take-home salary. It breaks down earnings into Basic Salary, HRA, and Special Allowances, while accounting for mandatory deductions like Employee Provident Fund (PF), Professional Tax (PT), and income tax under Indian tax rules.

Understanding your salary breakup helps you negotiate job offers realistically and plan your monthly household budget accurately.

Frequently asked questions

What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total annual expense a company incurs on an employee, including employer PF, gratuity, and insurance. In-hand salary is the actual amount credited to your bank account every month after all mandatory deductions like PF, tax, and professional tax.
How is Basic Salary calculated from CTC?
In most Indian organizations, Basic Salary is set between 40% to 50% of the total monthly CTC. HRA is usually 40% to 50% of the Basic Salary depending on whether you reside in a metro or non-metro city.
Is Employee PF mandatory for all salaries?
Under EPFO regulations, PF contribution (12% of Basic pay) is mandatory for employees with basic salary up to ₹15,000 per month, and standard corporate practice for higher income brackets.

Sources

  • Employees' Provident Fund Organisation (EPFO)
  • Income Tax Department of India

How to calculate in-hand salary from CTC

  1. 1

    Enter Annual CTC

    Type your offered or current annual CTC in rupees (e.g. ₹12,00,000).

  2. 2

    Adjust Component Percentages

    Fine-tune Basic pay percentage (typically 40–50%) and HRA (40% non-metro, 50% metro).

  3. 3

    Verify Deductions

    Check PF (standard 12% of Basic) and state-specific Professional Tax (standard ₹200/mo).

  4. 4

    Inspect Monthly Take-Home

    Review your net monthly in-hand payout alongside the detailed deduction summary.