CTC to In-Hand Salary Calculator India

Break down your Cost-to-Company into a detailed monthly payslip. See every component — earnings, employer contributions, and deductions.

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📋 Enter Your CTC Details

Annual CTC (₹)

₹

Basic Salary % of CTC

30%40%60%

HRA % of Basic

40%50%50%

Variable Pay / Bonus (annual ₹)

₹

Medical Allowance (₹/month)

₹

Food / LTA Allowance (₹/month)

₹

Employee EPF

Professional Tax (monthly)

Tax Regime

📄

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Frequently Asked Questions

Why is my CTC much higher than my in-hand salary?+

CTC includes costs the company bears that you never see as cash: employer EPF (12% of basic), gratuity provision (4.81% of basic), insurance, and other perks. These add 15–20% on top of gross salary.

What is gratuity provision in CTC?+

Gratuity provision (4.81% of basic per month) is the amount set aside by your employer monthly. It becomes payable after 5 years of continuous service (1 year for fixed-term contracts under new labour codes).

What is special allowance?+

Special allowance is the balancing figure — whatever remains of gross salary after basic, HRA, medical, and food allowances. It is fully taxable. Companies use it to maintain the CTC structure.

Is employee EPF deducted from gross or from CTC?+

Employee EPF (12% of basic, max ₹1,800/month) is deducted from your gross salary — it reduces your take-home. Employer EPF is a separate cost included in your CTC.