In-hand Salary Calculator
Estimate your monthly take-home pay from your annual CTC, after PF and professional tax. Calculated in your browser.
A simplified estimate, it assumes basic is 40% of CTC and does not deduct income tax (use the Income Tax Calculator for that). Actual salary structure varies by employer. Your inputs never leave your device.
Estimate your approximate monthly in-hand salary from your annual CTC, after EPF and professional tax. Helpful when comparing offers or understanding a payslip.
How to use
- Enter your total annual CTC.
- Choose whether EPF applies.
- Calculate to see your estimated monthly and annual in-hand pay, with the deductions broken down.
Frequently asked questions
Why is my in-hand salary lower than my CTC?
CTC includes employer contributions (like employer EPF) and deductions (employee EPF, professional tax) that don't reach your bank account. In-hand pay is what's left after those. Income tax is separate, use our Income Tax Calculator for that.
Does this include income tax?
No. This estimate stops before income tax (TDS), because tax depends on your regime and deductions. Combine it with the Income Tax Calculator for a fuller picture.
How accurate is the estimate?
It uses a common assumption that basic is 40% of CTC and standard EPF and professional-tax figures. Your actual structure varies by employer, so treat it as a close estimate.