💰 Salary Calculator
Turn your CTC into an estimated in-hand salary — with a clear monthly and annual breakdown of basic, HRA, PF and deductions.
Salary calculator (CTC → in-hand)
Estimate your monthly and annual take-home pay from your CTC, with a full breakdown.
Estimates use a typical structure and simplified tax. Your real slip depends on your employer and tax regime.
Estimated in-hand
About the Salary Calculator
Understanding your real take-home pay from a CTC (cost to company) figure can be confusing, because CTC bundles together your salary, allowances, employer contributions and benefits. This free salary calculator makes it simple: enter your annual CTC and it estimates your monthly and yearly in-hand salary along with a transparent breakdown of the main components.
The calculator splits your package into a typical structure — basic salary, house rent allowance (HRA), other allowances, provident fund (PF) contributions and estimated income tax — so you can see where your money goes. This is invaluable when comparing job offers, negotiating a raise, or simply planning your budget. You can adjust the assumptions to match your own salary structure.
All calculations happen instantly in your browser and nothing is stored. The results are estimates designed to give you a realistic picture; your actual salary slip will depend on your employer’s exact structure, your tax regime and declarations. Use it as a fast, reliable guide to what a CTC really means for your bank account.
Why use this tool
How to use it
Enter your CTC
Type your total annual cost to company.
Adjust assumptions
Tweak the basic %, PF and tax if you know your structure.
See the breakdown
View estimated monthly/annual in-hand and each component.
Copy or share
Save the numbers to compare offers or plan your budget.
Tips to get the most out of it
- CTC includes employer PF and benefits, so in-hand is always lower than CTC.
- A higher basic salary means higher PF — great for savings, lower for take-home.
- Compare offers on in-hand pay, not just the headline CTC.
- Check which tax regime (old vs new) benefits you before finalising.
Frequently Asked Questions
It gives a realistic estimate based on typical Indian salary structures and simplified tax assumptions. Your actual in-hand pay depends on your employer’s exact structure, chosen tax regime and declared investments, so treat the result as a close guide rather than an exact figure.
CTC is the total cost to the company, including your salary, allowances, employer PF and benefits. In-hand salary is what actually reaches your bank account after PF, professional tax and income tax are deducted — always lower than CTC.
It uses a simplified tax estimate for guidance. Your real tax depends on the regime you choose and your deductions, so verify with an official tax calculator before making financial decisions.
Deductions like PF (12% of basic), professional tax and income tax reduce your take-home. A higher basic salary increases PF, which lowers in-hand pay but boosts your long-term savings.
No. Everything is calculated in your browser and nothing is uploaded or stored.
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