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Salary Calculator (CTC → In-Hand)

Enter your annual CTC to estimate a typical basic/HRA/PF breakdown and your approximate monthly in-hand salary. Actual figures vary by employer policy.

This salary calculator converts your annual CTC, or cost to company, into an estimated monthly in-hand salary — the number that actually lands in your bank account. Adjust the basic salary percentage, HRA percentage, employee PF contribution rate, and monthly professional tax to match your offer letter or payslip, and it recalculates your monthly gross, basic, HRA, other allowances, and deductions instantly. Employee PF is capped at ₹1,800 per month, matching how most Indian employers structure statutory PF deductions. Built for job seekers comparing CTC offers and employees who want to understand how their salary breaks down before income tax — pair this ctc calculator with the TDS calculator below for a fuller take-home estimate that includes tax.

Estimated Monthly In-Hand

₹0

Monthly Gross₹0
Basic₹0
HRA₹0
Other Allowances₹0
Employee PF Deduction−₹0
Professional Tax−₹0

This is an estimate for planning purposes only — it does not account for income tax (TDS), employer PF contribution, gratuity, or company-specific components. Use the TDS Calculator to estimate income tax separately.

How to Use Salary Calculator

  1. Enter your Annual CTC.
  2. Adjust the Basic Salary percentage of CTC to match your offer letter.
  3. Adjust the HRA percentage of Basic.
  4. Adjust the Employee PF percentage and monthly Professional Tax.
  5. View your estimated monthly in-hand salary and full breakdown update instantly.

Frequently Asked Questions

Enter your CTC in the Salary Calculator. The tool deducts PF, Professional Tax, and shows gross salary, taxable income, and estimated monthly in-hand amount.

CTC is total employer cost including PF contributions and gratuity. In-hand (take-home) is what is credited to your bank after all deductions.