Salary In-hand Calculator

Question 1

How is in-hand salary estimated from CTC?

Answer

CTC is split into basic, employer costs (PF, gratuity), and employee deductions (PF, professional tax) to estimate annual and monthly in-hand pay.

Question 2

Why is my actual in-hand salary different?

Answer

Real payslips may include bonuses, variable pay, tax deducted at source, loan deductions, and company-specific policies not modeled here.

Question 3

What PF rate is used in the calculator?

Answer

You can set employee PF contribution up to 12% of basic salary. Employer PF is estimated from the same basic component.

Question 4

Should I use this before the tax calculator?

Answer

Yes. Salary in-hand and CTC breakup help you estimate gross components, then use the tax calculator for post-tax cash flow planning.

Frequently asked questions