Calculate your monthly in-hand salary from CTC. Breakdown of earnings, deductions, and taxes (New Regime FY 2025-26).
Monthly In-Hand Salary (Est.)
₹90,803
Annual Net: ₹10,89,639
Annual Gross Salary
₹11,78,400
₹98,200/mo
Annual Net Salary
₹10,89,639
₹90,803/mo
| Component | Annual | Monthly |
|---|---|---|
| Basic Salary | ₹4,80,000 | ₹40,000 |
| House Rent Allowance (HRA) | ₹2,40,000 | ₹20,000 |
| Special Allowance | ₹4,58,400 | ₹38,200 |
| Gross Salary | ₹11,78,400 | ₹98,200 |
| Deduction | Annual | Monthly |
|---|---|---|
| PF (Employee Contribution) | ₹21,600 | ₹1,800 |
| Professional Tax | ₹2,400 | ₹200 |
| Income Tax (Est. New Regime) | ₹64,761 | ₹5,397 |
| Total Deductions | ₹88,761 | ₹7,397 |
The Salary Calculator breaks down your annual Cost to Company (CTC) into a clear monthly and yearly in-hand figure. Enter your CTC and the tool splits it into fixed components such as Basic pay, House Rent Allowance (HRA), and other allowances, then subtracts standard deductions like Provident Fund (PF), professional tax, and income tax to show what actually reaches your bank account.
It is built for job seekers comparing offer letters, employees decoding their payslip, and HR teams estimating take-home pay for a given package. All figures are expressed in Indian Rupees and follow common Indian payroll conventions, so you can see exactly where each rupee of your CTC goes.
CTC is the total amount a company spends on you in a year, which is more than what you receive. It includes your gross salary plus employer contributions like the employer PF share, gratuity, and sometimes insurance. The core formula used is: In-Hand Salary = Gross Salary - (Employee PF + Professional Tax + Income Tax + other deductions), where Gross Salary = CTC - Employer PF - Gratuity - other employer costs.
A typical package fixes Basic pay at 40 to 50 percent of CTC. HRA is usually 40 to 50 percent of Basic. PF is calculated as 12 percent of Basic (deducted from both employee and employer sides). Professional tax is a small state-levied amount, often around 200 rupees per month. For example, on a 12 lakh CTC with Basic at 40 percent (4.8 lakh), employee PF would be roughly 57,600 per year, and after professional tax and applicable income tax the monthly in-hand typically lands well below the CTC divided by 12.
Because tax slabs, PF caps, and allowance structures vary by employer and by the old versus new tax regime, treat the result as a close estimate rather than an exact payslip. Always confirm the exact split in your official offer letter or salary structure.
CTC includes employer-side costs like the employer PF contribution, gratuity, and insurance that never appear in your bank account. After removing those and subtracting your PF, professional tax, and income tax, the monthly in-hand is always noticeably lower than CTC divided by twelve.
Gross salary is your total earnings before deductions (Basic + HRA + allowances). Net or in-hand salary is what remains after deducting employee PF, professional tax, and income tax from the gross.
It factors in income tax only if you enter your applicable tax or TDS amount. Because tax depends on your regime choice, exemptions, and investments, the tool lets you supply that figure rather than assuming one. For a full tax estimate, use the Income Tax Calculator.
Basic pay is set by your employer, usually between 40 and 50 percent of CTC. Since PF and HRA are calculated as a percentage of Basic, a higher Basic increases your PF deduction but also your HRA exemption eligibility.
Yes, it is completely free with no sign-up. All calculations run locally in your browser, so your CTC and salary figures are never uploaded or stored on any server.
Yes. Enter the CTC and component split for each offer separately and compare the resulting in-hand figures. This helps you judge offers where a higher CTC may still yield lower take-home pay due to structure.
The tool follows Indian payroll conventions like PF, professional tax, and CTC structure, so it is designed for salaries in Rupees. For converting amounts between currencies, use the Currency Converter.