Salary

Salary In-Hand Calculator India

Estimate monthly take-home salary from annual CTC, basic salary percentage, PF, tax and other deductions.

Educational estimate only

Calculator results can vary based on company policy, lender terms, tax law, investment assumptions or personal details.

Enter your values

Annual CTC₹Enter your annual cost to company.Basic salary as % of CTC%Many salary structures use 35% to 50% as basic. Use your offer letter if available.Employee PF rate on basic%Standard employee EPF contribution is often 12% of basic salary, subject to company structure and statutory rules.Monthly income tax/TDS₹Estimated monthly TDS or income tax deduction.Professional tax₹State-specific deduction if applicable.Other monthly deductions₹Food card, insurance, transport or other deductions.

Estimated results

Estimated monthly gross

₹1,00,000

Estimated monthly basic

₹40,000

Estimated employee PF

₹4,800

Estimated monthly in-hand salary

₹70,000

This calculator gives an educational estimate. Verify final numbers with your payslip, lender, tax advisor or official source.

Formula used

Monthly in-hand salary is estimated as monthly gross salary minus employee PF, monthly tax/TDS, professional tax and other recurring deductions.

Example calculation

For a ₹12,00,000 CTC with 40% basic, 12% PF, ₹25,000 monthly tax and ₹200 professional tax, the estimated in-hand salary is shown after subtracting these deductions.

When this tool is useful

When you want a fast estimate before making a financial or salary decision.
When you want to compare different assumptions in seconds.
When you want to understand the formula behind the result.

FAQs

Is this salary calculator exact?

No. It is an estimate. Actual salary depends on your company salary structure, benefits, reimbursements, tax regime and declarations.

Does CTC equal in-hand salary?

No. CTC includes employer costs and benefits. In-hand salary is the amount received after employee-side deductions and tax.

Should I use offer-letter values?

Yes. Use actual basic salary, PF, tax and deduction values from your offer letter or payslip for a better estimate.