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Salary / In-Hand Calculator
CTC to monthly take-home, component by component.
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₹
₹3,00,000₹1,00,00,000
%
30 %60 %
40–50% is the common structure.
City
Results
Monthly in-hand
₹88,276
₹10.59 L per year after tax & PF
- Income tax (new regime)
- ₹0
- Your PF contribution
- ₹57,600
- Employer PF (in CTC)
- ₹57,600
- Professional tax
- ₹2,400
Full salary structure
| Component | Yearly | Monthly |
|---|---|---|
| Basic salary | ₹4,80,000 | ₹40,000 |
| HRA | ₹2,40,000 | ₹20,000 |
| Special allowance | ₹3,99,312 | ₹33,276 |
| Employer PF | ₹57,600 | ₹4,800 |
| Gratuity accrual | ₹23,088 | ₹1,924 |
| Gross salary | ₹11,19,312 | ₹93,276 |
| Net in-hand | ₹10,59,312 | ₹88,276 |
How this calculator works
CTC includes costs you never see in your bank account — employer PF and gratuity accrual. This calculator rebuilds the standard salary structure from your CTC, applies new-regime tax and professional tax, and shows the realistic monthly credit.
Actual structures vary by employer; treat this as a close estimate for offer comparison.
Results are estimates for planning, not guarantees or tax/investment advice. For a plan built around your goals, talk to our advisors — the consultation is free.
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