Salary (CTC to In-Hand) Calculator
Convert annual CTC into monthly take-home salary with EPF, Professional Tax, and New vs Old Regime TDS deductions.
Salary (CTC to In-Hand Take-Home) Calculator
Updated for Budget 2024 (₹75k Standard Deduction under Sec 115BAC), EPF, PT, and Old vs New Regime TDS
Most Indian IT & corporates structure basic at 40% or 50%.
Statutory minimum cap is ₹1,800/mo (12% of ₹15,000 wage ceiling).
Whether company retains 4.81% gratuity pool in your annual CTC.
₹83,367
/ monthAnnual In-Hand: ₹10,00,404 after PF, Professional Tax & TDS
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Executive Compensation & CTC Structuring Specialist
Payroll Tax & Take-Home Salary Strategist · Digital Bharat Law
Suggested Questions for this Tool:
Understanding Salary (CTC to In-Hand) Calculator
Cost to Company (CTC) represents the total expenditure an employer incurs on an employee annually, including direct salary components, retirement benefits, insurance, and perks. Monthly in-hand (take-home) salary is often substantially lower than CTC / 12 due to mandatory statutory deductions.
Key statutory deductions include Employee Provident Fund (12% of Basic pay), State Professional Tax (up to ₹200/month), and monthly TDS under Section 192 based on the employee's selected tax regime.
* Employer EPF (12%) and Gratuity (4.81%) are part of annual CTC but not paid in monthly cash pay.
Key Regulatory Rules & Thresholds (FY 2025–27)
Essential departmental provisions, tax brackets, and statutory compliance mandates.
Standard Deduction Benefit
₹75k StandardSalaried employees receive an automatic ₹75,000 standard deduction under the New Tax Regime (Budget 2024).
EPF Wage Ceiling ₹15,000
EPFO RulesMandatory EPF deduction is 12% on ₹15,000 Basic (₹1,800/month) unless employee & employer jointly opt for actual basic deduction.
Gratuity Inclusion in CTC
Act 1972Employers factor 4.81% of basic salary into CTC as gratuity accrual, payable only upon completing 5 years of service.
Section 80CCD(2) Employer NPS
Tax OptimizationUp to 14% of Basic pay contributed by the employer to employee NPS is 100% tax-free under both regimes.
Frequently Asked Questions
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