India Salary Calculator (CTC to In-Hand)
Enter your annual CTC and basic salary percentage to estimate your gross salary, statutory deductions and monthly take-home pay.
India Salary Calculator (CTC to In-Hand)
Break down your Cost to Company (CTC) into gross salary and estimated monthly take-home pay.
Your CTC (Cost to Company) includes components that never reach your bank account — the employer's PF contribution and gratuity provision. This calculator estimates your gross salary (CTC minus those employer-side deductions) and your monthly take-home pay after employee PF and professional tax. It does not deduct income tax — use the India Income Tax Calculator separately for that.
Example
- With the default values shown above, this calculator returns: Basic Salary (Annual) ≈ ₹600000.00; Employer PF Contribution ≈ ₹72000.00; Gratuity Provision ≈ ₹28860.00; Gross Salary (Annual) ≈ ₹1099140.00; Employee PF Deduction ≈ ₹72000.00; Net Salary Before Tax (Annual) ≈ ₹1024740.00; Estimated Monthly Take-Home ≈ ₹85395.00.
Frequently Asked Questions
Why doesn't this include income tax?
Income tax (TDS) depends on your tax regime choice, exemptions and deductions, which vary a lot by individual — use the India Income Tax Calculator separately with your gross/taxable income.
Why is my employer PF not exactly what my payslip shows?
Some employers cap PF-eligible basic at the statutory wage ceiling of ₹15,000/month rather than contributing on your full basic salary — check your payslip for your employer's actual policy.