CTC to in-hand calculator (India) — monthly take-home
Turn an annual CTC into an estimated monthly in-hand salary. It calculates entirely in your browser (0 uploads, works offline).
How to use it
- Enter the annual CTC.
- See the breakdown into basic, HRA, PF and take-home.
- Copy or Download the result.
FAQ
How do I calculate in-hand salary from CTC for free?
Enter your CTC and this page applies a common structure — Basic at 40%, HRA at 50% of Basic, provident fund and gratuity — then subtracts your PF, professional tax and income tax to estimate the monthly in-hand, on your device with no upload.
Why is in-hand lower than CTC ÷ 12?
CTC includes the employer's PF and gratuity and your own deductions, none of which reach your bank account monthly. The calculator shows exactly where the gap goes.
Is my salary data uploaded anywhere?
No. Everything runs in your browser and nothing is transmitted or stored, which you can verify by turning off your Wi-Fi.
Will it match my payslip exactly?
It is an estimate using a standard structure. Your employer's actual split, allowances and deductions may differ, so treat it as a close guide pending review.
Limits
Uses a common CTC structure and the new tax regime; your real components and deductions may vary. Pending HR/CA review (U7).
Related
The in-hand to CTC tool works backwards; the income tax calculator estimates the tax component.
Bookmark this page (Ctrl+D, or ⌘D on Mac) or install the app — it works offline the next time you need it.