CTC to In Hand Salary Calculator 2026

Convert your CTC (Cost to Company) to actual in-hand or take-home salary with our free CTC calculator. Understand the complete breakdown of your salary structure including basic pay, HRA, special allowances, employer contributions, and all deductions like EPF, professional tax, and income tax. This calculator helps you decode your salary slip and know exactly how much money will be credited to your bank account every month. Essential for job seekers evaluating multiple offers, employees understanding their salary structure, or anyone planning their monthly budget. Get detailed component-wise breakdown showing gross salary, total deductions, annual in-hand salary, and monthly in-hand salary. The calculator uses standard Indian salary structures followed by most companies including IT, banking, manufacturing, and service sectors. Know the real value of your job offer by understanding the difference between CTC and actual monthly income.

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Calculate In-Hand from CTC

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%

Typical bonus: IT sector 10-15%, Banking 15-30%, Manufacturing 5-10%

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Understanding CTC Breakup in India

CTC (Cost to Company) is the total cost a company bears for an employee. It includes not just your salary but also various benefits and contributions. Here's how a typical CTC is structured:

Standard CTC Components

ComponentTypical %In Monthly Salary?Description
Basic Salary40-50%YesCore salary component
HRA20-25%YesHouse rent allowance
Special Allowance15-20%YesOther allowances
Employee PF12% of BasicDeductionYour PF contribution
Employer PF12% of BasicNoCompany contribution
Bonus8-15%AnnualPerformance/statutory bonus
Gratuity4-5%NoAfter 5 years service
Insurance1-3%NoMedical/life insurance

CTC Breakdown Example - ₹10,00,000 CTC

Monthly Components

Basic (₹4L/year):₹33,333.33
HRA (₹2L/year):₹16,666.67
Special Allowance:₹16,666.67
Gross Monthly:₹66,666.67

Deductions & Final

Employee PF (12%):₹4,000.00
Professional Tax:₹200.00
TDS (approx):₹4,000.00
Monthly In-Hand:₹58,466.67

+ Annual Bonus (₹1,00,000.00) paid once yearly
+ Employer PF (₹48,000.00) goes to your PF account
+ Gratuity (₹50,000.00) paid after 5 years

CTC vs In-Hand Salary Comparison

Annual CTCMonthly GrossMonthly In-Hand% of CTC
₹3,60,000.00₹25,000.00₹21,000.0070%
₹6,00,000.00₹42,000.00₹36,000.0072%
₹10,00,000.00₹67,000.00₹58,000.0070%
₹15,00,000.00₹1,00,000.00₹82,000.0066%
₹25,00,000.00₹1,67,000.00₹1,30,000.0062%

*In-hand % decreases with higher CTC due to progressive income tax

Important CTC Facts You Should Know

  1. Always Ask for Breakup: Get detailed CTC split before accepting any offer.
  2. Fixed vs Variable: Higher fixed component means guaranteed monthly income.
  3. Notice Period Buyout: Some companies include this in CTC (one-time, not monthly).
  4. Stock Options: ESOPs are part of CTC but vest over 3-4 years.
  5. Joining Bonus: Paid once, increases first year CTC but not ongoing salary.
  6. Insurance Premium: Company pays but you don't receive it as cash.
  7. Food Coupons: Tax-free up to ₹2,200/month, better than cash allowance.

Frequently Asked Questions

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