How CTC Becomes In-Hand
Your Cost to Company (CTC) includes salary plus employer benefits like provident fund contribution, gratuity accrual and insurance – none of which hit your bank account every month. Your actual in-hand pay is CTC minus variable pay, minus employer PF, minus employee PF, minus income tax, minus professional tax. This calculator gives you a quick estimate using typical assumptions.
Old vs New Regime for Salaried
Most salaried employees with a home loan, HRA and 80C investments still come out ahead under the old regime. Those with few deductions benefit from the new regime's higher exemption slabs. Use our tax calculator to compare.
Frequently Asked Questions
Is PF deducted from my salary?
Yes, 12% of basic goes to your EPF and an equal amount from the employer.
What is professional tax?
A small state-level tax, typically ₹200/month, capped at ₹2,500/year.