Core Calculators

Salary Calculator

Estimate monthly in-hand salary from annual CTC

Salary details

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Monthly in-hand

₹0estimated take-home

How in-hand salary is estimated

In India, companies often quote Cost to Company (CTC). Your monthly in-hand pay is lower after provident fund, professional tax and income tax. This calculator sketches that path so you can compare offers.

Payroll rules differ by employer and tax regime. Use this for a quick sense of take-home, then confirm with your HR breakup or a tax professional. It is not a full Form 16 engine.

In-hand (est.) = Monthly gross − PF − professional tax − income tax (simplified estimate)

How to use this calculator

  1. Enter annual CTC from the offer letter.
  2. Set basic pay percentage if you know it (PF is often linked to basic).
  3. Add professional tax if it applies in your state, then review the estimated monthly in-hand figure.

Worked example

Example: a ₹12,00,000 CTC offer is ₹1,00,000 gross per month before deductions. After PF and tax estimates, in-hand is lower - exactly how much depends on basic structure and exemptions.

Job offers outside India use different tax systems. This page is aimed at Indian CTC structures; for other countries treat it only as a rough math sandbox.

When this helps

Best when you are comparing two India job offers or checking whether a hike improves take-home enough.

What this does not cover

Variable bonuses, ESOPs, gratuity timing and old vs new tax regime choices need a fuller review. Figures here are estimates only.

Related guide

Read Salary CTC to in-hand: what usually gets deducted. Understand typical Indian CTC deductions before you compare offers.

Why use it

Detailed features

CTC breakdown

See gross vs net components.

PF included

12% employee PF on basic.

Tax estimate

Simplified slab-based TDS estimate.

On the go

Also in the Toolance app.

Frequently asked questions

CTC includes basic, allowances, employer PF and sometimes variable pay. In-hand is what lands in your bank after employee PF, professional tax, TDS and other deductions. Our tool estimates this from the figures you enter.
The old regime allows deductions like 80C, HRA and home loan interest with higher slab rates. The new regime has lower slabs but fewer deductions. Your choice changes monthly TDS and take-home pay.
Not always. Exemption depends on rent paid, salary structure and city. If you live in your own house, HRA is usually fully taxable. Enter your details carefully for a closer estimate.
Yes. Employee contribution to EPF is deducted from salary. Employer PF is part of CTC but not paid to you monthly; it builds your retirement corpus.
Bonuses, arrears, loan recoveries, cafeteria benefits and mid-year regime changes affect real payslips. Use this calculator to ballpark offers, not to audit your employer.
This is built for salaried structures with PF and TDS. Freelancers face different tax rules; consult a CA for business or professional income.
No. Figures here are estimates for understanding an offer or payslip. For investments, regime choice and ITR filing, speak to a qualified tax professional.
Yes. No login or payment. Adjust CTC and deductions and see take-home instantly.