Calculator
Salary Calculator (CTC → In-Hand)
Convert annual CTC to monthly take-home with a clear breakdown of components and deductions.
Annual CTC
Enter or pick a preset CTC (₹).
Frequently Asked Questions
Is this salary calculator free to use?
Yes! This CTC to in-hand salary calculator is completely free with no sign-up required. Calculate your take-home salary from CTC unlimited times.
How do I calculate my in-hand salary from CTC?
Simply enter your annual CTC (Cost to Company) in rupees and click "Calculate In-Hand Salary". The tool will break down your salary into basic, HRA, deductions (PF, professional tax) and show your monthly and annual in-hand salary.
What components are included in the calculation?
The calculator computes Basic Pay (40% of CTC), HRA (50% of Basic), PF deduction (12% of Basic), Professional Tax (₹200/month), and other allowances. It shows both monthly and annual in-hand salary after all deductions.
Why is my in-hand salary less than CTC?
CTC includes employer contributions and benefits that you don't receive directly. Deductions like PF (provident fund), professional tax, and other statutory contributions reduce your take-home pay from the gross CTC amount.
Is this calculation accurate for Indian salaries?
Yes! The calculator uses standard Indian salary structure with typical percentages: 40% basic, 50% HRA of basic, 12% PF, and ₹200 monthly professional tax. Actual amounts may vary slightly based on company policy.