CTC to In-Hand Salary Calculator
Paste annual CTC and see an estimated monthly take-home after common deductions. Use it to compare offers or plan budgets. Figures are local estimates—confirm with your payroll team for final numbers.
Monthly in-hand
$90,200.00
- Monthly cash salary (CTC − employer PF)
- $95,200.00
- Basic (monthly)
- $40,000.00
- Employee PF
- $4,800.00
- Employer PF (in CTC)
- $4,800.00
- Professional tax
- $200.00
- Income tax (monthly)
- $0.00
- Annual in-hand (approx.)
- $1,082,400.00
Income tax estimated under New Regime on cash salary after ₹75,000 standard deduction. Adjust the tax field for a precise figure.
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Tasks
Estimate in-hand
Enter CTC, basic %, PF, and professional tax.
Use a known tax figure
Enter annual income tax to override the New-regime estimate.
How to use
- Enter annual CTC and basic percentage.
- Set PF and professional tax.
- Read monthly in-hand and deductions.
FAQ
How does CTC become monthly in-hand pay?
The tool starts from annual CTC, separates employer PF that sits inside CTC, then subtracts employee PF, professional tax, income tax, and any other monthly deductions you enter to estimate take-home.
What if I already know my annual income tax?
Enter that figure in the annual income tax field to override the built-in New-regime estimate. Leave it at zero when you want the tool to estimate tax for you.
Is this payroll or tax advice?
No. It is a planning estimate. Salary components, PF caps, and tax rules can change, so confirm final numbers with your payroll team or a CA.
Is my data private?
Yes. CTC and deduction inputs stay on your device. Take-home is calculated locally in the browser.