Understanding your salary slip
- Basic: usually 40–50% of fixed pay; PF, gratuity and HRA are calculated on it.
- HRA: taxable under the new regime; partly exempt under the old regime if you pay rent. Use the HRA calculator.
- Special allowance: the balancing figure; fully taxable.
- Employer PF and gratuity: part of CTC but not paid monthly.
Compare regimes in detail with the income tax calculator, and plan investments with the SIP calculator.
How to use the In-hand Salary Calculator (CTC to Take-home) tool
- Enter your annual CTC and any variable/bonus component.
- Adjust basic %, HRA %, PF and gratuity to match your offer letter.
- Pick the tax regime (and rent for HRA under the old regime).
- Read your monthly in-hand salary and the full breakdown.
Why SaralKit?
- Free forever: no "credits", no trial, no premium tier, no watermark and no daily limit.
- No account, ever: nothing to sign up for. Just open the page and use it.
- No data stored: your files and the numbers you type are processed by your own browser. We never upload, store or see them.
- Works offline: once the page has loaded, most tools keep working without internet.
- Open source: anyone can read the code on GitHub.
Frequently asked questions
How is in-hand salary calculated from CTC?
In-hand = CTC − employer PF − gratuity (if part of CTC) − variable pay − employee PF − professional tax − income tax. This calculator splits your CTC into basic, HRA and special allowance, then works out each deduction.
What is the in-hand salary for 12 LPA?
With 50% basic, PF on ₹15,000 and gratuity inside CTC, a ₹12 lakh CTC with no variable pay gives roughly ₹93,800 a month under the new regime, with zero income tax. Your exact figure depends on your salary structure.
What is employer PF and why is it in my CTC?
Your employer contributes 12% of basic (often capped at ₹15,000 basic, i.e. ₹1,800/month) to your EPF. It is part of CTC but goes to your PF account, not your bank account. You also contribute the same amount from your salary.
What is gratuity in CTC?
Many companies include gratuity (4.81% of basic) in CTC. You receive it only after 5 years of service, so it is not part of your monthly pay.
How much is professional tax?
It is set by each state, up to ₹2,500 a year (₹2,400–2,500 in Maharashtra, Karnataka, West Bengal and others; nil in states like Delhi, Haryana and UP).