💼 Salary Calculator
Convert your CTC to monthly and yearly in-hand salary, with a clear breakdown of PF, professional tax and estimated income tax. Adjust every figure to match your payslip.
Estimates use common assumptions (PF at 12% of basic, ₹75,000 standard deduction, New Regime slabs with the §87A rebate and 4% cess). Your actual payslip depends on your company's structure, allowances (HRA, LTA), PF ceiling and declarations — treat this as a guide, not tax advice.
Understand Your Real Take-Home Pay
See past the CTC headline to what actually lands in your account.
CTC → Take-Home
Turn a confusing CTC number into a clear monthly in-hand figure.
Full Breakdown
See every deduction line by line — employer PF, employee PF, professional tax and income tax.
Adjustable
Change the basic-pay percentage, professional tax, and toggle income tax to match your payslip.
Free & Private
Runs in your browser — no login, no limits, dark mode and responsive.
How to Use the Salary Calculator
Four steps — results update the moment you type.
Enter your CTC
Type your total annual Cost to Company.
Set the basic %
Slide the basic-pay percentage to match your offer (usually 40–50%).
Adjust deductions
Set professional tax and choose whether to apply estimated income tax.
See your take-home
Read your monthly and yearly in-hand salary with a full breakdown.
Frequently Asked Questions
CTC vs gross vs in-hand, PF, professional tax and income tax.
How is in-hand salary calculated from CTC?
Start with your CTC, subtract the employer's contributions (like employer PF) to get your gross salary, then subtract your own deductions — employee PF, professional tax and income tax — to reach your in-hand (take-home) pay. This calculator shows each step so you can see exactly where the money goes.
What is the difference between CTC, gross and in-hand salary?
CTC (Cost to Company) is everything your employer spends on you, including their PF and other contributions. Gross salary is CTC minus the employer's own contributions. In-hand (net) salary is what actually reaches your bank account after your PF, professional tax and income tax are deducted.
How accurate is the income tax figure?
It's an estimate using India's New Regime slabs for FY 2025-26, a ₹75,000 standard deduction, the §87A rebate and 4% cess. Real tax depends on your exact structure, allowances, other income and declarations, so treat it as a guide. You can switch it off to see your salary before tax.
What is the PF deduction?
Provident Fund is typically 12% of your basic salary contributed by you (and matched by your employer). Because basic pay drives PF, this calculator lets you set the basic as a percentage of CTC — a higher basic means more PF (more long-term savings, slightly lower take-home).
Why does a higher basic salary reduce take-home pay?
PF is a percentage of basic, so raising the basic increases your PF deduction. That money isn't lost — it goes into your retirement savings — but it lowers the amount hitting your account each month. Use the slider to see the trade-off.
Is this salary calculator free and private?
Yes. It's completely free, needs no sign-up, and every calculation runs in your browser — your salary details are never uploaded or stored.