Salary/CTC Calculator
Turn an annual CTC into an estimated monthly in-hand figure. CTC includes employer contributions you never actually see in your account, which is why the number in an offer letter always looks larger than what arrives each month. This is built around India's salary structure, so it applies to jobs in India.
This is a rough estimate only. It assumes Basic pay is 50% of CTC and applies a typical employee PF deduction and a flat professional tax — it does not calculate income tax, which varies by regime, deductions and state. Your actual in-hand salary depends on your employer's exact CTC structure.
How to estimate take-home salary
- Enter your annual CTC.
- Read the estimated monthly in-hand amount below.
- Check the note underneath — this is an estimate, not a payslip.
When you'd use this
- Reading an offer letter — Translating a headline CTC into what will actually reach your bank account.
- Comparing two offers — Two packages with the same CTC can pay out differently once deductions are counted.
- Budgeting a move — Working out what a new salary really supports month to month.
- Salary negotiations — Understanding which part of a package is take-home and which is contribution.
Good to know
- It does not deduct income tax — This is the important one. The estimate covers provident fund and professional tax only. Your actual in-hand will be lower once TDS is applied, and by how much depends on your tax regime, deductions and declarations.
- It assumes basic is half of CTC — Basic pay is taken as 50% of CTC, with provident fund at 12% of basic capped at ₹21,600 a year on each side, and professional tax at ₹2,400 a year. Real structures vary by employer.
- Allowances change the picture — HRA, LTA, meal cards and reimbursements all shift take-home in ways a single CTC figure cannot capture.
- Treat it as an estimate — It is a reasonable approximation of the structure, not a payslip. Your employer's own breakdown is the number that counts.
Frequently asked questions
Why doesn't this calculate income tax?
Income tax depends on your tax regime, deductions and other factors this tool has no way of knowing — showing a number here would risk being misleading, so it's left out on purpose.
Why is my actual in-hand salary different?
Every employer structures CTC differently (bonuses, allowances, insurance, gratuity). This tool uses common assumptions that won't match every company exactly.
Why is my actual salary lower than this figure?
Most often income tax, which this calculator does not deduct. TDS depends on your chosen regime, your declared investments and your total income, so a generic tool cannot compute it honestly. Company-specific deductions such as insurance premiums also reduce take-home.
Does this work for salaries outside India?
No. It is built on Indian provident fund and professional tax rules. For other countries the deductions are entirely different, so the result would not mean anything.
What exactly is the difference between CTC and in-hand?
CTC is everything an employer spends on you, including their provident fund contribution and benefits. In-hand is what remains after those contributions, your own provident fund share, professional tax and income tax are taken out.