India Tax & Finance
CTC to in-hand salary calculator
Enter your annual CTC. We split it into basic, HRA and special allowance, take out PF, professional tax and tax, and show what lands in your account each month.
- Free, no sign-up
- Runs in your browser
- Nothing uploaded
Package
Usually 40% to 50%.
Untick if PF is 12% of the full basic.
Deductions
Set by your state; many states charge up to ₹200 a month.
Tax regime
Employee PF is counted automatically. Total 80C is capped at ₹1,50,000.
Use the HRA calculator.
Result
Salary breakup
How it works
CTC is what your employer spends on you. Some of it never reaches you: employer PF, gratuity and insurance. What is left is split into basic, HRA and a balancing special allowance.
Basic = CTC × basic %
HRA = basic × HRA %
Employer PF = 12% of basic (or of ₹15,000 a month if the wage ceiling applies)
Gratuity = 4.81% of basic
Special allowance = CTC − basic − HRA − employer PF − gratuity − insurance
Take-home = gross salary − employee PF − professional tax − income tax
Income tax uses the same slab engine as the Income tax calculator: new regime with the ₹75,000 standard deduction, or old regime with the ₹50,000 standard deduction, professional tax, 80C and HRA. TDS is estimated as one-twelfth of the yearly tax.
Frequently asked questions
Why is my payslip different?
Employers add variable pay, bonuses and reimbursements, may round PF differently and deduct TDS based on your declarations. Use this as a planning estimate.
Is employer PF part of my salary?
It is part of CTC but not paid to you monthly. It goes into your PF account.
Is my data stored?
No. It runs in your browser and nothing is sent.