Salary Calculator (CTC to In-Hand)
Convert annual CTC into monthly take-home salary with PF, gratuity, professional tax and income tax.
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- Annual CTC –
- − Employer PF –
- − Gratuity –
- = Gross salary –
- − Employee PF –
- − Professional tax –
- − Income tax (incl. cess) –
- − Other deductions –
- = Net annual pay –
Estimate based on common Indian salary structures. Your employer’s structure, allowances, exemptions and variable pay may differ.
How to use the Salary Calculator (CTC to In-Hand)
- Enter your annual CTC and the basic salary percentage from your offer letter.
- Choose the tax regime and adjust professional tax or other deductions.
- See the monthly in-hand salary and a breakdown of every component.
How CTC becomes take-home pay
Cost to company (CTC) includes amounts you never receive as salary: the employer’s PF contribution and gratuity. The calculator removes those first to get gross salary, then subtracts your own PF contribution, professional tax and estimated income tax (using the selected regime from the Income Tax Calculator rules) to get net pay.
- Employer and employee PF: 12% of basic, optionally capped at the ₹15,000 wage ceiling.
- Gratuity: 4.81% of basic (15/26 of monthly basic for each year of service).
- Professional tax: varies by state; the default of ₹2,400 a year is common in several states.
Allowances, reimbursements, variable pay and exemptions such as HRA differ by employer, so treat the result as an estimate.