Salary / CTC calculator
From CTC to
take-home.
Estimate what could reach your bank account each month after common salary deductions.
Your estimate
Monthly in-hand salary
This estimate uses the selected tax regime, 12% employee PF on basic salary, ₹2,400 annual professional tax, and 4% health and education cess. It does not include regime-specific deductions, rebates, surcharge, state variations, or employer-specific payroll rules.
Understand the result
How it works
CTC is the total package an employer spends on your employment. The calculator removes variable pay from regular gross salary, then estimates employee PF, professional tax, and income tax to show a planning figure for monthly take-home pay.
Worked example: For a ₹12 lakh CTC with ₹60,000 variable pay, 45% basic salary, PF, and the new regime selected, the calculator estimates the regular monthly gross before deductions and displays the resulting in-hand estimate.
Good to know
Frequently asked questions
What is CTC?+
CTC means Cost to Company. It can include fixed salary, employer PF contributions, bonus, insurance, and benefits, so it is not the same as monthly in-hand pay.
Why is in-hand salary lower than CTC?+
In-hand salary is reduced by employee deductions such as provident fund, professional tax, and estimated income tax. Variable pay may also be paid separately.
Is bonus included in monthly in-hand salary?+
A bonus can be part of CTC but may be paid annually or only after performance conditions. The calculator treats the entered variable pay as excluded from regular monthly gross.
Are the tax and PF estimates exact?+
No. They are simplified planning estimates. Your actual payslip depends on tax declarations, deductions, state rules, employer policy, and payroll timing.
Disclaimer: This calculator is an estimate, not professional financial or tax advice. Confirm your payslip, tax regime, deductions, and employer policies before relying on the result.