Calculate your actual take-home salary from CTC — includes PF deductions and tax estimates for India.
*Income tax estimate is approximate. Actual tax depends on investments, allowances, and old vs new tax regime.
CTC (Cost to Company) and your actual in-hand salary are very different numbers, and the gap often surprises people when they receive their first payslip at a new job. CTC includes everything the company spends on you — your basic salary, HRA, allowances, the employer's PF contribution, gratuity provisions, and sometimes even subsidized meals or insurance premiums. What you actually receive in your bank account every month is your in-hand or take-home salary, after deducting your EPF contribution, professional tax, and income tax (TDS).
This calculator breaks down a CTC into its approximate components, calculates standard deductions, and estimates the actual monthly amount credited to your account. It's most useful for understanding what to expect from a salary offer before accepting it, for planning monthly budgets accurately, and for comparing multiple job offers that quote CTC differently.
The main deductions are: EPF (your share of 12% of basic), professional tax (varies by state, typically ₹150–₹2500/month), and TDS (tax deducted at source based on estimated income tax). Additionally, the employer's PF contribution and gratuity provisions are included in CTC but never appear in your payslip or bank account — they're costs borne by the company on your behalf. Variable pay or bonus is not guaranteed monthly and is usually paid quarterly or annually.
Understanding your actual in-hand salary before accepting a job offer prevents a common disappointment: candidates sometimes accept a CTC that sounds attractive, only to find the monthly bank credit significantly lower than expected. This is especially common with high-bonus structures where a large proportion of CTC is variable and paid once or twice a year rather than monthly, or where the employer PF contribution is included in the CTC figure quoted in the offer letter.
Using this calculator before salary negotiations gives you a grounded view of the actual take-home impact of a proposed CTC increase, which helps you negotiate not just the headline CTC number but the specific structure — a higher basic (which increases PF and HRA) vs a higher variable (which is uncertain and taxed differently) — making it possible to advocate for a compensation structure that genuinely maximizes your monthly in-hand salary rather than just the total CTC on paper.
CTC (Cost to Company) और आपकी actual in-hand salary बहुत अलग numbers हैं, और अक्सर लोगों को नई job पर पहला payslip मिलने पर यह अंतर हैरान करता है। CTC में वह सब कुछ शामिल है जो company आप पर खर्च करती है — आपकी basic salary, HRA, allowances, employer का PF contribution, gratuity provisions, और कभी-कभी subsidized meals या insurance premiums भी। आपके bank account में हर महीने actually आने वाला आपका in-hand या take-home salary है, EPF contribution, professional tax, और income tax (TDS) काटने के बाद।
यह calculator किसी CTC को उसके approximate components में break down करता है, standard deductions calculate करता है, और actual monthly amount का estimate लगाता है जो आपके account में credit होगी। यह salary offer accept करने से पहले उससे क्या expect करें यह समझने, monthly budgets accurately plan करने, और अलग-अलग तरीके से CTC quote करने वाले multiple job offers की comparison करने के लिए सबसे उपयोगी है।
मुख्य deductions हैं: EPF (basic का आपका 12% हिस्सा), professional tax (state के हिसाब से अलग, typically ₹150–₹2500/month), और TDS (estimated income tax के आधार पर source पर काटा गया tax)। इसके अलावा, employer का PF contribution और gratuity provisions CTC में शामिल हैं पर आपके payslip या bank account में कभी नहीं आते — ये company द्वारा आपकी तरफ से bear किए गए costs हैं। Variable pay या bonus guaranteed monthly नहीं होता और usually quarterly या annually दिया जाता है।
Job offer accept करने से पहले actual in-hand salary समझना एक common disappointment रोकता है। यह खासकर high-bonus structures के साथ आम है जहां CTC का बड़ा proportion variable है और monthly की बजाय साल में एक या दो बार दिया जाता है। Offer letter में quoted CTC figure में employer PF contribution शामिल होना भी एक आम confusion है — वह amount कभी आपके bank account में नहीं आती। इस calculator से salary negotiate करने से पहले realistic expectations set करना आसान हो जाता है।
Job offer accept करने से पहले actual in-hand salary समझना एक common disappointment रोकता है: candidates कभी-कभी एक attractive लगने वाला CTC accept करते हैं, सिर्फ़ यह पाने के लिए कि monthly bank credit उम्मीद से काफ़ी कम है। यह खासकर high-bonus structures के साथ आम है जहां CTC का बड़ा proportion variable है और monthly की बजाय साल में एक या दो बार दिया जाता है, या जहां offer letter में quoted CTC figure में employer PF contribution शामिल है।
Q. What is the difference between CTC and in-hand salary? | CTC और in-hand salary में क्या अंतर है?
CTC is the total yearly cost to the company, including PF contributions and other benefits; in-hand salary is what actually lands in your bank account each month after deductions. | CTC company को सालाना होने वाला total cost है, जिसमें PF contributions और अन्य benefits शामिल हैं; in-hand salary हर महीने deductions के बाद आपके bank account में आने वाली actual राशि है।
Q. What deductions does this calculator include? | यह calculator किन deductions को शामिल करता है?
It estimates employee PF contribution (12% of basic), professional tax, and an approximate income tax (TDS) based on the new tax regime slabs. | यह employee PF contribution (basic का 12%), professional tax, और new tax regime slabs पर आधारित approximate income tax (TDS) estimate करता है।
Q. Why isn't the employer's PF contribution in my take-home? | Employer का PF contribution मेरी take-home में क्यों नहीं है?
The employer's PF share is part of your CTC on paper, but it's deposited directly into your PF account — it never appears in your monthly bank credit. | Employer का PF share कागज़ पर आपके CTC का हिस्सा है, लेकिन यह सीधे आपके PF account में जमा होता है — यह कभी आपके monthly bank credit में नहीं दिखता।
Q. What basic salary percentage should I set? | मुझे basic salary percentage कितना set करना चाहिए?
Most Indian companies set basic salary between 40–50% of CTC; check your offer letter or payslip for your company's exact structure. | ज़्यादातर भारतीय companies basic salary को CTC का 40–50% रखती हैं; अपने company की exact structure के लिए offer letter या payslip देखें।
Q. What HRA percentage should I use for metro vs non-metro cities? | Metro और non-metro cities के लिए मुझे कौन सा HRA percentage उपयोग करना चाहिए?
HRA is commonly set at 50% of basic for metro cities (Delhi, Mumbai, Chennai, Kolkata) and 40% for non-metro cities, though this varies by employer policy. | HRA आमतौर पर metro cities (Delhi, Mumbai, Chennai, Kolkata) के लिए basic का 50% और non-metro cities के लिए 40% set किया जाता है, हालांकि यह employer policy पर निर्भर करता है।
Q. Is the income tax estimate accurate? | क्या income tax estimate सटीक है?
No — it's a rough approximation based on basic slab rates; your actual tax depends on specific deductions, exemptions, investments, and whether you choose the old or new tax regime. | नहीं — यह basic slab rates पर आधारित एक rough approximation है; आपका actual tax specific deductions, exemptions, investments, और आप old या new tax regime चुनते हैं इस पर निर्भर करता है।
Q. Why is my variable bonus not in the monthly in-hand figure? | मेरा variable bonus monthly in-hand figure में क्यों नहीं है?
Variable bonus is usually paid quarterly or annually, not every month, so the calculator excludes it from the regular monthly take-home figure. | Variable bonus usually हर महीने की बजाय quarterly या annually दिया जाता है, इसलिए calculator इसे regular monthly take-home figure से exclude करता है।
Q. Does professional tax apply in every state? | क्या professional tax हर state में लागू होता है?
No — a few states and union territories don't levy professional tax; check your specific state's rules and adjust the field accordingly. | नहीं — कुछ states और union territories professional tax नहीं लगाते; अपने specific state के rules check करें और उसके अनुसार field adjust करें।
Q. Can I use this to negotiate a salary offer? | क्या मैं इसे salary offer negotiate करने के लिए उपयोग कर सकता हूँ?
Yes — it's useful for understanding the real monthly impact of different CTC structures before accepting an offer or asking for a revision. | हाँ — यह किसी offer accept करने या revision मांगने से पहले अलग-अलग CTC structures के real monthly impact को समझने के लिए उपयोगी है।
Q. Is my salary data saved or sent anywhere? | क्या मेरा salary data कहीं save या भेजा जाता है?
No — every calculation happens instantly inside your browser and nothing you enter is uploaded or stored. | नहीं — हर calculation आपके browser के भीतर तुरंत होती है और आपके द्वारा दर्ज किया गया कुछ भी upload या store नहीं होता।
Q. Is this an official government or payroll tool? | क्या यह कोई official government या payroll tool है?
No — it's an independent estimation tool; always refer to your actual payslip and HR department for official figures. | नहीं — यह एक independent estimation tool है; official figures के लिए हमेशा अपने actual payslip और HR department से संपर्क करें।
Q. Is this calculator free to use? | क्या यह calculator उपयोग करने के लिए मुफ़्त है?
Yes — it's completely free, with no login or signup required. | हाँ — यह पूरी तरह मुफ़्त है, किसी login या signup की ज़रूरत नहीं।