CTC to In-Hand Salary Calculator
Convert your CTC (cost to company) into estimated monthly and annual in-hand salary.
Enter your annual CTC to see the breakdown.
How it works
CTC includes components you never receive directly — employer PF contribution and gratuity. This tool assumes Basic salary is a percentage of CTC (editable, default 40%), deducts employer PF (12% of Basic) and gratuity (4.81% of Basic) to get gross salary, then deducts employee PF, professional tax and estimated income tax (New Regime, FY 2025-26) to arrive at in-hand pay.
Actual in-hand pay depends on your specific employer's salary structure (HRA, special allowance, LTA splits) — treat this as a close estimate, not your exact payslip figure.