Assumptions
- Basic salary = 50% of CTC
- HRA = 20% of CTC
- Special allowance = remaining 30%
- Standard deduction of ₹75,000 applied for tax estimate
- Income tax uses simplified new tax regime slabs
CTC to In-Hand Salary Calculator — Free Online Tool
Estimate monthly take-home salary from annual CTC with PF, professional tax, and income tax deductions.
Based on Indian salary & tax rules — FY2025-26
Monthly In-Hand Salary
₹89,001
Annual In-Hand Salary
₹10,68,010
Deductions Breakdown
PF Employee (12% of Basic)₹72,000
Professional Tax₹2,400
Income Tax (estimated, new regime)₹57,590
Total Deductions₹1,31,990
How It Works
01
Enter CTC
Add your annual cost to company
02
Set Deductions
Choose PF and professional tax
03
Take-Home Pay
See monthly and annual in-hand salary
Help Us Improve
Your feedback helps us build better tools.
About CTC Calculator
Our free CTC Calculator breaks down your Cost to Company into estimated in-hand monthly salary after standard deductions. Enter your annual CTC, basic salary percentage, HRA, and other components to see approximate take-home pay, employer PF, employee PF, and professional tax.
Designed for Indian job seekers evaluating offer letters from IT companies, startups, and corporates where CTC figures include PF, gratuity, insurance, and variable pay that do not reach your bank account monthly. Understand the gap between ₹12 LPA on paper and what actually gets credited each month.
All calculations run client-side in your browser. Salary and offer details are never sent to any server, keeping confidential compensation data private while you compare offers or prepare for negotiation.
When Should You Use CTC Calculator?
Offer letter evaluation
Decode a new job offer to see realistic monthly in-hand before accepting.
Job comparison
Compare two offers with different CTC structures on an in-hand basis, not headline numbers.
Salary negotiation
Ask for in-hand increase specifically when HR quotes only CTC figures.
PF planning
See employee and employer PF contributions deducted from your structured salary.
Tax planning
Estimate taxable income components before investing in 80C or choosing tax regime.