MoneyKit / Salary tools
Understand your
paycheck.
Simple salary calculators for the numbers that matter between your CTC and your bank account.
CTC to In-Hand Salary
Estimate monthly gross, deductions, tax, and take-home pay from your annual CTC.
Calculate salary 02HRA Calculator
Estimate your HRA tax exemption using rent, basic salary, and city type.
Calculate HRAUnderstand the result
How it works
Salary tools separate the parts of your compensation that affect take-home pay. CTC includes fixed pay, variable pay, and employer benefits, while HRA exemption depends on basic salary, rent, and city type.
Worked example: For a ₹12 lakh CTC with ₹60,000 variable pay and 45% basic salary, the CTC calculator estimates the regular gross salary before PF, tax, and professional tax deductions.
Good to know
Frequently asked questions
What is the difference between CTC and in-hand salary?+
CTC is the total annual cost an employer budgets for you. In-hand salary is the amount credited after employee deductions such as PF, professional tax, and income tax.
Does bonus form part of monthly salary?+
A bonus or variable component may be included in CTC but paid separately or only when performance conditions are met. Check your offer letter and payroll policy.
What is HRA exemption?+
HRA exemption is the portion of eligible house rent allowance that may be excluded from taxable salary under the applicable rules.
Are salary calculator results exact?+
No. They are planning estimates. Employer salary structure, tax declarations, state rules, benefits, and payroll timing can change your final payslip.
Important: Salary results are estimates for planning and education. Tax rules and payroll calculations can change. Confirm details with your employer or a qualified tax professional.