Enter your CTC as mentioned in your Appointment / Offer / Promotion Letter
CTC to In-Hand Salary Calculator
Calculate your estimated monthly in-hand salary in India from your annual CTC. Enter your CTC to see your salary breakup after PF, income tax and other applicable deductions. This CTC to in-hand salary calculator is designed for salaried professionals in India and helps you understand how much of your CTC you may actually receive as monthly take-home salary.
ENTER YOUR CTC
YOUR CTC BREAKUP
| Component | % of CTC | Monthly Amount (₹) | Annual Amount (₹) |
|---|---|---|---|
| Basic Salary | 40.0% | ₹0 | ₹0 |
| HRA | 20.0% | ₹0 | ₹0 |
| Other / Special Allowances | 33.3% | ₹0 | ₹0 |
| Employer EPF Contribution | 4.8% | ₹0 | ₹0 |
| Gratuity | 1.9% | — | ₹0 |
| MONTHLY TOTAL | 98.1% | ₹0 | — |
| ANNUAL CTC | 100% | — | ₹0 |
YOUR MONTHLY SALARY & DEDUCTIONS
Monthly total from CTC breakup
₹0
| Monthly total from CTC breakup | ₹0 |
| Less: Employer EPF Contribution | ₹0 |
| Less: Employee EPF Contribution | ₹0 |
| Monthly salary before tax | ₹0 |
| Annual taxable income after standard deduction | ₹0 |
| Annual income tax including 4% cess | ₹0 |
| Less: Monthly TDS | ₹0 |
| Less: Other monthly deductions |
ESTIMATED MONTHLY TAKE-HOME
₹0
TAX & TAKE-HOME ASSUMPTIONS
This calculator uses the New Tax Regime slabs for AY 2026–27,
a standard deduction of ₹75,000 and 4% Health & Education Cess.
It assumes salary income only and applies the Section 87A rebate
where taxable income is up to ₹12 lakh. It does not model surcharge,
marginal relief, special-rate income or every employer-specific
payroll rule. Employer and employee EPF contributions are assumed
equal, using the 4.8% of CTC assumption in this calculator.
Other deductions can be entered manually. Actual salary and tax
calculations may differ. This is an educational estimate, not tax advice.
CTC to In-hand salary calculator – how it is done?
CTC (Cost to Company) is the total annual cost that an employer incurs for an employee. It may include basic salary, allowances, employer PF contribution, gratuity and other benefits.
Your in-hand salary is the amount that you actually receive after applicable deductions such as employee PF, professional tax and income tax.
Therefore, your annual CTC and monthly in-hand salary are not the same. The exact difference depends on your salary structure and applicable deductions.
What are the major components of salary?
| Salary term | What it means |
|---|---|
| CTC | Total annual cost to company |
| Gross Salary | Salary before employee deductions |
| Employee PF | Employee contribution deducted from salary |
| Income Tax | Tax deducted according to applicable rules |
| Professional Tax | State-specific deduction, where applicable |
| In-Hand Salary | Amount received after applicable deductions |
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