In-Hand Salary Calculator
Convert annual CTC into estimated monthly take-home salary for India — instantly.
In-Hand Salary Calculator
Estimate monthly take-home from annual CTC with PF, professional tax, and TDS.
Estimated monthly in-hand
₹94,277
Yearly in-hand
₹11,31,323
Monthly gross
₹96,277
Monthly deductions
₹2,000
PF ₹1,800 · PT ₹200 · TDS ₹0
Annual CTC breakup
Basic: ₹4,80,000
HRA: ₹1,92,000
Special allowance: ₹4,83,323
Employer PF: ₹21,600
Gratuity: ₹23,077
Estimates only. Actual in-hand depends on your employer’s salary structure, PF rules, and income tax.
Why use this salary calculator
Quick CTC-to-take-home estimates for job offers and salary negotiations.
CTC to In-Hand
Convert annual Cost to Company into estimated monthly take-home salary.
Salary Breakdown
See basic, HRA, special allowance, employer PF, and gratuity components.
PF & Professional Tax
Apply employee PF (with wage-cap option) and monthly professional tax.
Instant Estimates
Results update as you change CTC, basic %, and deductions.
Private Calculator
All math runs in your browser. Nothing is uploaded.
Free Forever
Plan job offers and CTC negotiations without signup walls.
How to Use
Simple 4-step process
Step 1
Enter your annual CTC in ₹.
Step 2
Adjust basic % of CTC, HRA % of basic, and PF/PT options.
Step 3
Optionally enter monthly TDS if you know your tax deduction.
Step 4
Review monthly and yearly in-hand estimates with the full breakdown.
Frequently Asked Questions
Everything you need to know about this tool and how it works.
See Full FAQWe split CTC into basic, HRA, special allowance, employer PF, and gratuity. Monthly gross is the employee-facing components. In-hand = monthly gross − employee PF − professional tax − TDS.
Many employers cap PF wages at ₹15,000/month, so employee PF is ₹1,800 (12%). You can turn the cap off if your company contributes on full basic.
No. Tax depends on regime, deductions, and payroll. Enter an estimated monthly TDS for a closer take-home figure, or use a dedicated income-tax calculator for precise tax.
No. Offer letters differ. Treat this as a planning estimate and confirm with your HR breakup.
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