CTC to In-Hand Salary Calculator
Enter your yearly CTC and the basic salary share, and the calculator removes employer PF and gratuity to get your gross salary, then takes off employee PF, professional tax and income tax for the current year. It shows your monthly in-hand salary and a full breakdown. You can switch between the new and the old tax regime.
Runs in your browser. Your files never leave your device.
Tax rules for FY 2026-27 (AY 2027-28)
Most companies set basic at 40% to 50% of CTC.
For example insurance, joining bonus or variable pay that is not paid monthly.
Up to about ₹2,500 a year in most states, and nil in some.
| Gross salary (CTC minus employer costs) | ₹11,55,312 |
| Employee PF | -₹21,600 |
| Professional tax | -₹2,400 |
| Income tax and cess (new regime) | -₹0 |
How it works
- 01Enter your yearly CTC and the basic salary share.
- 02Tick what your CTC includes, such as employer PF and gratuity.
- 03Read your monthly in-hand salary and the breakdown.
Questions
What is the difference between CTC and in-hand salary?
CTC is the total cost to the company in a year. It includes things you never receive as cash, such as employer PF and gratuity. In-hand salary is what reaches your bank account each month after PF, professional tax and income tax.
Why is my payslip different from this estimate?
Employers split CTC in different ways, pay variable pay and bonuses at different times, and may offer allowances that change tax. This is an estimate, so check your offer letter and payslip.
Which tax rules does it use?
The slabs, standard deduction and rebate for FY 2026-27, in the new regime by default. The old regime needs your total deductions, such as 80C and 80D.
Is my file uploaded to a server?
No. Everything happens inside your browser on your own device. Your files are never sent to us or anyone else.
Is it free?
Yes. It is free to use, with no signup, no watermark and no daily limit.