CTC to In-Hand Salary Calculator — what reaches your bank
Your CTC is not what you are paid. Enter it, and see what is taken out before your salary lands — PF, gratuity, professional tax and income tax — and the monthly in-hand.
Where your CTC goes
- In your bank₹10,24,74085%
- PF (yours + employer’s)₹1,44,00012%
- Tax, gratuity & other₹31,2603%
From CTC to bank (yearly)
The old regime would take ₹1,11,746 in tax. Bonuses, variable pay and reimbursements are not included — check your offer letter.
Set your pay day in Spendly and it plans the month around your real in-hand pay: bills and EMIs set aside first, then what is safe to spend each day.
Plan my salary →How it is calculated
CTC includes things that are never paid to you each month. Your employer’s PF (12% of basic) goes to your PF account, and gratuity (4.81% of basic — 15/26 of a month’s basic for each year) is paid only when you leave after five years. Taking those out of CTC gives your gross salary.
From the gross, your own PF (another 12% of basic), professional tax (set by your state, at most ₹2,500 a year) and income tax come off. Tax is worked out under both regimes with the same rules as our income tax calculator, and the lower one is used; in the old regime your PF counts towards 80C.
Since the labour codes took effect on 21 November 2025, basic pay must be at least half of total pay for PF and gratuity — so 50% of CTC is a sensible starting point. Some employers work PF out on the ₹15,000 wage ceiling instead (₹1,800 a month); choose that if your payslip shows it.
Gross = CTC − employer PF (12% of basic) − gratuity (4.81% of basic) In-hand = gross − your PF (12% of basic) − professional tax − income tax Monthly in-hand = in-hand ÷ 12
Questions
What is the difference between CTC and in-hand salary?
CTC is everything the company spends on you in a year, including its PF contribution, gratuity and sometimes insurance. In-hand is what reaches your bank after your PF, professional tax and income tax.
How much of a ₹10 lakh CTC is in-hand?
With basic at 50% and PF on full basic, about ₹71,000 a month — the calculator shows the exact figure with your basic and state.
Is gratuity part of my CTC?
Often, yes. It is paid when you leave after five years of service (one year on a fixed-term contract). If your offer letter lists it, keep “gratuity is part of your CTC” on.
Does this include bonus and variable pay?
No. Variable pay depends on performance and is paid when the company decides, so it is left out. Add it only once you know the amount.
Can Spendly track my salary?
Yes. Set your pay day and Spendly keeps your salary history and builds the month around it — what is safe to spend until the next salary.
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