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CTC to In-Hand Salary Calculator

See exactly what lands in your bank account each month: PF, ESI, Professional Tax, LWF and TDS broken down line by line, using the same engine that runs PayrollPro payrolls.

Your details

Annual CTC (Rs.)

Basic share of gross: 50%

HRA share of basic: 50%

State (PT & LWF)

Gender (PT)

Tax regime

Estimated monthly in-hand

₹98,000

≈ ₹11,76,000 per year after all deductions

Monthly breakdown

Monthly gross (CTC ÷ 12): ₹1,00,000
Basic: ₹50,000
HRA: ₹25,000
Special allowance: ₹25,000
Employee PF (12% of basic, wage capped at ₹15,000): -₹1,800
Employee ESI (0.75%, gross below ₹21,000): ₹0
Professional Tax: -₹200
Labour Welfare Fund (employee): ₹0
TDS (new regime): ₹0
In-hand per month: ₹98,000

Cost to company (what your employer also pays)

EPF employer (3.67%) + EPS (8.33%)₹1,801

ESI employer (3.25%)—

LWF (employer)₹0

Total monthly cost to company₹1,01,800

Want this automated for your whole team?

PayrollPro runs these exact calculations every month - payslips, PF ECR, ESIC returns included.