CTC to In-Hand Calculator

Convert CTC to take-home salary

₹15,00,000
₹
Monthly In-Hand
₹1,11,326
+₹13,35,912 annual take-home
Basic Salary₹6,00,000
HRA₹3,00,000
Employer PF₹21,600
Gratuity₹28,860
Income Tax₹89,628
Annual In-Hand₹13,35,912
What this means for you
Typical in-hand is 70-78% of CTC. The gap is employer PF, gratuity, group insurance, and tax.
What to do next
Salary structure optimizer (max take-home)HRA exemption calculator
Assumes metro city, 40% basic, no other deductions.
Updated for FY 2026-27
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Formula & SourceCTC to In-Hand Calculator
Basic = CTC × 40%
HRA = Basic × 50% (metro)
Employer PF = MIN(Basic × 12%, ₹21,600)
Gratuity = Basic × 4.81%

Gross = CTC − Employer PF − Gratuity
In-Hand = Gross − Employee PF − Prof Tax − Income Tax
Source: Standard payroll structure (Indian employers)

Frequently Asked Questions

CTC includes employer PF, gratuity, group insurance, costs you never see. Typical in-hand is 70-75% of CTC.
All formulas are verified against the original government notification or Act (cited in the source line below the result). Numbers update in under a second on any input change, with no rounding-of-thousands like some competitors. For tax, slabs are sourced from the current Finance Act; for small savings, rates come from the quarterly government notification.
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Yes — every calculator is verified for FY 2026-27 (post Finance Act 2025). The "Last reviewed" stamp at the bottom of every page tells you when the math was last re-checked. If you spot an out-of-date number, write to us at /contact.