Salary Slip Breakdown

How to Use the CTC to In-Hand Calculator

Enter your annual CTC, basic salary percentage, select your state for professional tax, and whether gratuity is included in your CTC. Click Calculate to see the complete monthly salary breakup and take-home pay.

CTC vs In-Hand Salary — What's the Difference?

CTC (Cost to Company) is the total amount your employer spends on you, including employer PF contribution, gratuity, insurance, and other benefits. Your in-hand or take-home salary is what you actually receive after deductions for employee PF, professional tax, and income tax. Typically, in-hand salary is 65–75% of CTC depending on your salary structure and state.

Salary Components Explained

• Basic Salary: Usually 40–50% of CTC. PF, gratuity, and HRA are calculated as percentages of Basic.
• HRA: Typically 50% of Basic for metro cities, 40% for non-metro. Tax exemption available if you pay rent.
• Special Allowance: The remaining amount after Basic, HRA, employer PF, and gratuity are allocated from CTC.
• PF (Provident Fund): Both employee and employer contribute 12% of Basic. Employer PF is part of CTC, employee PF is deducted from salary.
• Professional Tax: A state-level tax deducted monthly. Ranges from ₹0 (Delhi) to ₹200/month (most states) up to ₹300/month (Karnataka for higher salaries).

Professional Tax Rates by State

Professional tax varies by state and salary slab. Most states charge ₹200/month for salaries above ₹15,000. Karnataka charges ₹200/month, Maharashtra charges ₹200/month (₹300 in February), and Delhi/UP/Rajasthan do not levy professional tax. The maximum professional tax allowed by law is ₹2,500 per year.

Frequently Asked Questions