Salary / CTC Calculator
Break down CTC into in-hand salary, basic pay, and deductions.
Salary Calculator
Calculate your estimated in-hand salary and CTC breakdown.
₹
%
Estimated Monthly In-Hand
₹ 84,400
Annual Net Take-Home
₹ 1,012,800
Annual Earnings Breakdown
Basic Salary₹ 540,000
HRA (50%)₹ 270,000
Special Allowance₹ 270,000
Fixed Gross Pay₹ 1,080,000
Variable / Bonus₹ 120,000
Annual Deductions
EPF (Employee Contribution)- ₹ 64,800
Professional Tax (Est.)- ₹ 2,400
Income Tax / TDSNot included here
Total Deductions- ₹ 67,200
In-Hand Salary Calculator (India)
Calculating your actual take-home salary from a CTC offer is crucial before accepting a job. Our Salary Calculator breaks down your Annual CTC into fixed pay, variable pay, and mandatory deductions like EPF.
CTC vs Net Salary
Your Cost to Company (CTC) includes everything the company spends on you, including their EPF contributions and variable bonuses. However, your In-Hand Salary is what actually hits your bank account after EPF and Professional Tax deductions.
Frequently Asked Questions
What is Basic Salary?
Basic Salary is the core component of your CTC, usually comprising 40-50% of your total pay. It is fully taxable and serves as the basis for calculating HRA and EPF.
Why is my In-Hand Salary lower than my CTC?
Your In-Hand Salary is lower because your CTC includes deductions like Employee Provident Fund (EPF), Professional Tax (PT), Income Tax (TDS), and variable bonuses that may not be paid monthly.
Disclaimer: This tool is provided for informational purposes only. Use at your own risk. VyaparGuru is not responsible for any financial or legal consequences arising from the use of this tool.
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