In-Hand Salary Calculator
Enter your CTC and see your real monthly take-home — with every deduction explained, not just a number.
Your total Cost to Company, before any deductions.
Taxed when paid, so it's shown separately from your guaranteed monthly in-hand.
Your monthly in-hand salary
₹93,796
₹11,25,554/year
Where your gross salary goes
- In-hand₹11,25,554
- Provident Fund₹21,600
- Professional Tax₹2,400
- Income Tax₹0
Annual breakdown
Where did my money go?
Both you and your employer contribute ₹1,800 each per month towards your retirement savings. This is calculated on the statutory wage ceiling of ₹15,000/month (12%), which has been the mandatory maximum since the EPF Scheme 2026 took effect in June 2026 — regardless of your actual basic salary.
₹2,404/month of your CTC is set aside by your employer for gratuity — a lump sum you're entitled to after 5+ years of continuous service. It's part of your CTC but isn't paid out monthly, so it doesn't appear in your in-hand salary.
A small state-levied tax of ₹200/month, deducted directly from your salary and paid to the state government.
Calculated on your net taxable income of ₹10,74,554/year, using new regimeslab rates for FY2026-27, plus a 4% Health & Education Cess.
Frequently asked questions
How is in-hand salary calculated from CTC?
In-hand salary is your CTC minus employer-side deductions that never reach your bank account (like the employer's PF contribution and gratuity provision), minus your own deductions (employee PF, professional tax, and income tax/TDS). Salryd shows every step of this so you can see exactly where your money goes.
Why is my in-hand salary lower than my CTC divided by 12?
CTC includes amounts you don't receive monthly — your employer's PF contribution and a gratuity provision set aside for after 5+ years of service — plus your own PF contribution, professional tax, and income tax are deducted from what's left.
Does this calculator store my salary details?
No. Every calculation runs entirely in your browser — your numbers are never sent to our servers. We only save your last inputs to your own device's local storage so you don't have to re-enter them next time.