CTC to In-Hand Salary Calculator
Convert CTC to in-hand salary online for free. See the breakdown from annual CTC down to your estimated monthly take-home pay. Runs entirely in your browser — nothing you enter is uploaded.
Estimates the new tax regime (FY 2025-26): ₹75,000 standard deduction, Section 87A rebate up to ₹12L taxable income, 4% cess. Assumes employer PF + gratuity are part of CTC but not gross pay — adjust the Basic % to match your actual offer letter.
How to use ctc to in-hand salary calculator
- Enter your CTC
Your total annual Cost to Company, as stated in your offer letter.
- Adjust the assumptions
Basic salary %, employee PF % and professional tax — defaults are common values, but your actual offer letter may differ.
- Calculate
See your estimated gross salary, deductions and monthly in-hand pay.
Features
Every rate and percentage is an input you can change, not a hidden constant — so the estimate matches your real numbers.
Calculates locally with no sign-up or server request.
Your salary and financial details are never uploaded.
Supported formats and limitations
Text and structured input supported by this tool.
Use cases include personal workflows, content preparation, and quick checks. Review output before relying on it for legal, financial, accessibility, or production decisions.
Frequently asked questions
Is this my exact take-home pay?
No — it's an estimate using common assumptions (new tax regime, standard PF/gratuity structure). Your actual employer's salary structure, any additional allowances, and your specific tax situation can change the real number. Confirm with your HR/payroll team or a tax professional.
Why does it use the new tax regime?
It's the default regime for most salaried taxpayers as of FY 2025-26. If you've opted for the old regime with its own deductions (80C, 80D, HRA exemption, etc.), your actual tax will differ from this estimate.
Is my salary data uploaded?
No. The calculation runs entirely in your browser.