Start with annual CTC
Subtract employer PF contribution
Subtract gratuity provision
Subtract employer insurance or benefits cost
Subtract any other employer-side deductions included in CTC
Divide the remaining amount by 12 to get monthly gross salary
Subtract employee PF contribution
Subtract professional tax
Subtract income tax or TDS
Subtract any loan repayment, salary advance, or other deductions
The final amount is in-hand monthly salary
Annual in-hand salary = monthly in-hand salary × 12