Salary Breakup (CTC) Calculator
Your CTC isn't your in-hand salary. See exactly where the difference goes — basic, HRA, PF, gratuity, and tax.
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45% of CTC
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Your CTC includes components that never reach your bank account — employer PF contribution and gratuity provisioning are retained by the company on your behalf. This is the single biggest reason CTC and in-hand salary differ so much.
Monthly in-hand salary
82.1% of your CTC actually reaches your bank account
Annual salary slip estimate
Earnings
Basic₹5.40 L
HRA₹2.16 L
Special allowance₹3.53 L
Deductions
Employee PF-₹64,800
Professional tax-₹2,400
Income tax (estimated)-₹57,339
Not part of in-hand (retained by company on your behalf)
Employer PF contribution₹64,800
Gratuity provision₹25,974
ANNUAL IN-HAND
₹9.85 L
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