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.

How it works

Four steps.

  1. 01

    Enter your annual CTC in ₹.

  2. 02

    Adjust basic % of CTC, HRA % of basic, and PF/PT options.

  3. 03

    Optionally enter monthly TDS if you know your tax deduction.

  4. 04

    Review monthly and yearly in-hand estimates with the full breakdown.

Features

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.

FAQ

Questions.

Can't find an answer? Send us your question.

How is in-hand salary calculated from CTC?

We 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.

What is the PF wage ceiling?

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.

Does this include income tax exactly?

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.

Are company structures the same everywhere?

No. Offer letters differ. Treat this as a planning estimate and confirm with your HR breakup.

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