GyaaniWorldCTC to In-Hand Salary Calculator
Updated for FY 2026-27 · Instant Breakdown

CTC to In-Hand
Salary Calculator 2026-27

Enter your CTC and get your exact monthly take-home, full salary breakdown, and see how much of your CTC is actually non-cash.

20-35%
Typical CTC vs in-hand gap
12%
EPF both sides
5 sec
Time to know your real salary
Step 1 — Your Package
Step 2 — Bonus (if included in CTC)
%
Step 3 — Monthly Deductions
Default Rs 200/mo. Varies by state. Enter 0 for Delhi/Haryana
12% of basic, max Rs 1,800 — part of CTC, not in-hand
12% of basic, max Rs 1,800 — deducted from salary
Health/life insurance deducted from salary

Your data never leaves your device. 100% private.

💼
Know your real take-home

Enter your CTC on the left and hit Calculate My In-Hand Salary

💰
Exact monthly in-hand
After every deduction, to the rupee
🥧
Full salary breakdown
Basic, HRA, PF, professional tax — all split out
🚨
CTC inflation exposed
How much of your CTC is non-cash employer costs
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Visual pie chart
See where each rupee of your CTC goes
How It Works

The CTC to In-Hand Formula

CTC and take-home salary are very different numbers. Here is exactly how your in-hand salary is calculated step by step.

01
Start with CTC
CTC = Basic + HRA + Allowances + Bonus + Employer PF + Gratuity
02
Remove Employer Contributions
Gross Salary = CTC minus Employer PF minus Gratuity minus other employer-only costs
03
Subtract Employee Deductions
Net Salary = Gross minus Employee PF minus Professional Tax minus TDS minus Insurance
📌 Example — Rs 8 Lakh CTC (Karnataka)
Gross Salary (CTC minus Bonus of Rs 50K)Rs 7,50,000
Less: Professional Tax (Karnataka)Rs 2,400
Less: Employee PF (12% of Rs 15K x 12)Rs 21,600
Less: Employer PFRs 21,600
Less: Employee InsuranceRs 3,000
Total DeductionsRs 48,600
Net Take Home (Annual)Rs 7,01,400
Guide

Salary Components Explained

🏢Basic Salary

40-50% of gross salary. Fixed component. Higher basic = higher PF, HRA, and gratuity. Fully taxable.

🏠HRA

House Rent Allowance — 40-50% of basic. Partially or fully tax-exempt if you pay rent (Section 10(13A)).

✈️LTA

Leave Travel Allowance for domestic travel. Tax-exempt with travel proof under Section 10(5). Claimable twice in 4 years.

Special Allowance

Catch-all component — the remainder after basic, HRA, LTA. Fully taxable with no exemptions.

💼Employee PF

12% of basic (capped at Rs 15,000 basic = max Rs 1,800/mo). Deducted from salary. Tax-free under 80C up to Rs 1.5L.

🏢Employer PF

12% of basic (same cap). Part of CTC but never in your hand. Builds your EPF corpus for retirement.

The 3 Numbers That Confuse Everyone
CTCRs 12,00,000 100%
What your offer letter says
Gross SalaryRs 10,76,400 ~90%
CTC minus employer contributions
In-Hand (Net)Rs 8,50,000 ~71%
What hits your bank account
FAQ

Frequently Asked Questions

Got an Offer Letter?
Decode your exact CTC
with our full Offer Analyser

This calculator gives you a quick estimate. The full tool lets you enter every line of your offer letter — exposes hidden PF, gratuity & insurance padding, calculates CTC inflation %, and gives your offer a health score out of 100.

🚨CTC inflation %
⚖️Offer health score
📊Variable pay risk
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