Salary In-Hand Calculator
Convert your annual CTC into your actual monthly take-home in-hand salary with full deduction breakdown.
Salary Calculator
Estimate your net take-home pay from gross annual CTC (approximate)
$
$10,000$1,000,000
Assumptions: Basic = 40% of CTC · Housing Allowance = 50% of Basic · Other Allowances = 20% of CTC
Provident Fund contribution capped at approx. 12% of basic. Actual deductions vary by employer and country.
Salary Breakdown
Gross Annual CTC$80,000
Gross Salary$64,000
— Basic (40% of CTC)$32,000
— Housing Allowance (HRA)$16,000
— Other Allowances$16,000
Provident Fund (Emp, 12%)- $3,840
Other Deductions- $2,400
Net Annual Pay$57,760
Net Monthly Pay$4,813
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Standard Salary Breakdown Structure in India
| Salary Component | Typical % of CTC | Taxability |
|---|---|---|
| Basic Salary | 40% – 50% | 100% Taxable |
| House Rent Allowance (HRA) | 40% – 50% of Basic | Exempt under Section 10(13A) in Old Regime |
| Special Allowance | Balance component | 100% Taxable |
| Employee PF Contribution | 12% of Basic | Eligible for 80C in Old Regime |
| Professional Tax (PT) | ₹200 / month (approx) | State-level deductible tax |
Frequently Asked Questions
Why is in-hand salary significantly lower than monthly CTC (CTC ÷ 12)?
Because CTC includes indirect costs borne by the employer (such as employer EPF 12%, gratuity accrual 4.81%, health insurance premiums) plus statutory salary deductions (employee EPF 12%, Professional Tax, and Income Tax TDS).