CTC to In-Hand Salary Calculator
Estimate your monthly in-hand salary from annual CTC — with PF, professional tax and deductions. Made for Indian salary structures.
Estimate only — actual structures, PF caps, and tax (old vs new regime, investments) vary. Runs in your browser.
Processed 100% in your browser — nothing you enter here is ever uploaded.
Common use cases
Understand an offer
See what a CTC actually means in monthly take-home before you accept.
Compare offers
Put two CTCs through the same assumptions to compare in-hand pay.
Plan your budget
Know your realistic monthly income for planning EMIs, rent and savings.
How to use the CTC to In-Hand
Enter your annual CTC. The monthly in-hand estimate updates instantly.
Adjust the “Basic as % of CTC” slider to match your offer letter (usually 40–50%).
Toggle EPF on or off, and add your estimated annual income tax if you know it.
See the full breakdown — employer PF, gratuity, gross, deductions and take-home.