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CTC → In-Hand Salary Breakup
Splits CTC into basic, HRA, special, PF, gratuity and computes in-hand monthly (new regime).
Your inputs
₹18,00,000
₹
Usually 40–50%
50% metro / 40% non-metro
Result
- Basic
- ₹8,10,000
- HRA
- ₹4,05,000
- Special allowance
- ₹5,24,439
- Employer PF
- ₹21,600
- Gratuity provision (4.81%)
- ₹38,961
- Employee PF (deducted)
- – ₹21,600
- Annual tax (new regime)
- – ₹1,38,203
- In-hand / month
- ₹1,31,636
Estimates only — rules change frequently. Please verify with a CA before you file, invest, or sign anything.
Assumptions
- PF on basic capped at statutory ceiling (₹15,000 wage).
- Gratuity ~4.81% of basic (15/26 monthly accrual annualised).
- Tax under new regime with ₹75,000 standard deduction — ignores HRA exemption.
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