CTC to In-Hand Salary Calculator
Convert your annual CTC to monthly take-home salary with full breakup.
📊 Salary Breakup
Monthly In-Hand
₹57,183
Monthly Breakdown
Basic Salary₹32,000
HRA₹12,800
Special Allowance₹21,867
– PF (Employee)-₹3,840
– Prof. Tax-₹200
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How CTC Differs from In-Hand Salary
CTC (Cost to Company) is the total amount a company spends on an employee. Your in-hand salary is what you actually receive after all deductions like PF, professional tax, and income tax.
Standard Salary Breakup in India
• Basic Salary: 40–50% of CTC. • HRA: 40–50% of Basic (50% for metro, 40% for non-metro). • Special Allowance: remaining amount. • PF: 12% of Basic (employee contribution). • Professional Tax: ₹200/month (varies by state).
New Tax Regime 2025 (Default)
Under the new tax regime, income up to ₹12 lakh is tax-free (with ₹75,000 standard deduction). Slabs: 0% up to ₹4L, 5% from ₹4–8L, 10% from ₹8–12L, 15% from ₹12–16L, 20% from ₹16–20L, 25% from ₹20–24L, 30% above ₹24L.
Why is my in-hand less than expected from CTC?
CTC includes employer PF contribution (12% of basic), gratuity, and other components that you don't receive monthly. Employee PF (12% of basic) and professional tax are also deducted from your gross salary.
Which tax regime is better in 2025?
For most salaried employees below ₹12 lakh CTC, the new tax regime is better as there's zero tax. Above ₹12L, compare based on your actual deductions and exemptions under the old regime.