Salary Calculator
Break down your CTC into basic, HRA, PF and estimate your in-hand salary.
Affects HRA calculation (50% vs 40%)
Standard for most companies
Estimated Monthly In-Hand
₹89,000
*After approx. tax and PF deductions. Excludes variable pay which is paid separately.
How the Salary Calculator works
This calculator breaks your annual CTC into its components — basic, HRA, special allowance, employer PF — and estimates your monthly in-hand salary after PF, professional tax and income tax.
CTC (cost to company) is not what you take home: employer PF and taxes are deducted along the way. This tool shows where the money goes.
Frequently asked questions
Why is my in-hand salary lower than my CTC?+
CTC includes employer contributions (like PF) and your taxes. After deducting employer PF, employee PF, professional tax and income tax, your take-home is noticeably lower.
How is basic salary and HRA decided?+
Basic is typically 40–50% of fixed CTC; HRA is often 40–50% of basic (higher for metro cities). Exact splits vary by employer.
What is professional tax?+
A small state-level tax on salaried income (capped at ₹2,500/year in most states), deducted monthly.
How can I increase my in-hand salary?+
Choose the tax regime that suits you, use available deductions (old regime), and structure allowances efficiently where your employer allows.