CTC to In-Hand Salary Calculator (India)

This calculator helps you estimate your monthly in-hand (take-home) salary from your annual Cost to Company (CTC) based on common salary structures used in India.

The calculation considers typical deductions such as Provident Fund (PF), income tax, and professional tax. Actual salary structures may vary by company and location.

Enter Your CTC Details

How CTC to In-Hand Salary Is Calculated

CTC includes multiple components, not all of which are paid directly to the employee as cash salary.

• Gross Salary: Fixed monthly salary before deductions.
• Provident Fund (PF): Mandatory retirement contribution deducted from salary.
• Income Tax: Tax deducted based on applicable income tax slabs.
• Professional Tax: State-level tax deducted monthly.

After subtracting these deductions from the gross salary, you get your in-hand (take-home) salary.

Important Notes & Disclaimer

• This calculator provides an estimate, not exact figures.
• Actual salary depends on company-specific salary structure.
• Tax exemptions (HRA, 80C, etc.) are not considered here.
• Professional tax varies by state.

For precise calculations, refer to your payslip or consult your HR or a tax advisor.