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CTC (Cost to Company) is the total amount a company spends on an employee in a year. In-hand salary is the actual amount credited to your bank account each month. The difference includes your employee PF contribution (12% of basic), employer PF, gratuity provision (~4.81% of basic), professional tax, and income tax. Typically, your in-hand salary is 65-75% of your annual CTC.

The basic formula is: In-Hand = CTC − Employer PF − Gratuity Provision − Income Tax − Professional Tax − Employee PF. The easiest way is to use our CTC to In-Hand Calculator above. Just enter your CTC, bonus percentage, and monthly deductions, and the tool calculates your exact take-home instantly.

CTC includes everything the company spends on you — including employer PF, gratuity, and any non-cash benefits. Gross Salary is what appears on your payslip before deductions. Net Salary (in-hand) is what you receive after employee PF, professional tax, and income tax are deducted from your Gross Salary.

It depends on your total deductions. If your deductions (80C investments, HRA, home loan interest, NPS, etc.) add up to more than ₹3.75 lakh, the old regime usually saves more tax. If your deductions are lower, the new regime with its ₹75,000 standard deduction tends to be more beneficial. Use our Tax Regime Comparator to see the difference with your actual numbers.

HRA exemption is the lowest of three values: (1) Actual HRA received from employer, (2) 50% of basic salary for metro city or 40% for non-metro, and (3) Actual rent paid minus 10% of basic salary. Only the minimum of these three amounts is tax-exempt.

Both employee and employer contribute 12% of Basic + DA to PF. Your 12% goes entirely to your EPF account. The employer's 12% is split — 3.67% goes to your EPF account and 8.33% goes to EPS (Employees' Pension Scheme). Only the EPF portion earns interest and is available for withdrawal.

Yes, all calculators on CTC BreakDown are fully mobile-friendly. They work on any device — phone, tablet, or desktop — without needing any app download. Everything runs in your browser with no sign-up required.