In-Hand Salary Calculator — CTC to Take-Home Pay
Your CTC divided by twelve is not your monthly salary. Enter your package to see what actually lands in your account — and exactly where the rest goes.
The total annual figure on your offer letter, including employer contributions and benefits.
CTC ÷ 12 = ₹1.0L/mo. That is the number people expect. Here is the real one.
Salary Structure
Usually 35–50%. A higher basic means more provident fund and less monthly cash.
Deductions
Income tax as a share of your taxable pay. Check last year's Form 16, or use 0–10% at lower incomes and 15–25% at higher ones.
In-Hand Salary
₹79.4K /mo
₹9.5L a year · ₹20.6K less than CTC ÷ 12
Gross Salary
₹11.2L
CTC minus employer costs
Never Paid in Cash
₹2.5L
21% of your CTC
Still Yours
₹1.2L
in your EPF corpus
Where Your CTC Goes
- Annual CTC
- ₹12.0L
- Employer PF contribution
- −₹57.6K
- Gratuity provision
- −₹23.1K
- Gross salary
- ₹11.2L
- Your PF contribution
- −₹57.6K
- Professional tax
- −₹2.4K
- Income tax
- −₹1.1L
- In-hand salary
- ₹9.5L
Smart Insights
21% of your CTC never reaches your account — but ₹1.2L of that is your own EPF corpus, not money lost.
Lenders size loans against this figure, not your CTC. Keep total EMIs under roughly ₹31.8K/month.
Next Step
Now make that salary go further.
Nami tracks where your take-home pay actually goes each month, so you can budget against the real number.
A structural estimate. It uses the effective tax rate you supply rather than computing slabs, and ignores HRA and other exemptions — your payslip is the final word.
Frequently asked questions
₹12 lakh CTC is ₹1 lakh a month on paper, but not in hand. With a 40% basic, standard provident fund and gratuity, professional tax, and a 10% effective tax rate, the monthly credit works out to roughly ₹79,000. The exact figure depends on your salary structure and tax situation — enter your own numbers above.
Subtract the employer's PF contribution and the gratuity provision from CTC to get gross salary. From gross, subtract your own PF contribution, income tax, and professional tax where your state levies it. Divide by twelve for the monthly figure. This calculator runs exactly that chain and shows each step.
Because a large part of CTC never reaches your account. Employer PF goes into your EPF corpus, gratuity is payable only after five years of service, insurance premiums go to the insurer, and tax plus your own PF are deducted at source. Typically 25–35% of CTC is withheld this way — though a good share of it is still your money.
Slab rates, rebates, the standard deduction, and the choice between regimes change with almost every Budget, and exemptions like HRA depend on details only you know. A calculator that guessed would quietly go stale and mislead you. Supplying your effective rate — check last year's Form 16 — keeps the result honest and durable.
Divide the total tax you paid last year by your taxable salary. As a rough guide, incomes near the exemption threshold land at 0–5%, mid-range salaries around 8–15%, and higher salaries 20–25%. If you claim substantial HRA or 80C deductions, use a lower rate.
In the short term, yes. Provident fund contributions are calculated on basic, so a higher basic sends more into EPF and less into your bank account each month — while building a larger retirement corpus. Move the basic percentage above to see the trade-off in rupees.