Estimate your monthly take-home from annual CTC. Every assumption is shown and editable. It is an estimate, before income tax.
This CTC to in-hand salary calculator gives a quick estimate of your monthly take-home pay. Enter your annual CTC, the share that is basic pay and the HRA percentage, and it shows gross salary, provident fund, optional ESI, professional tax and the amount you receive each month.
To use it, type your CTC, adjust the basic and HRA percentages to match your offer letter, switch PF and ESI on or off, and enter the professional tax amount for your state. The assumptions under the result list every rate used, so you can check them against your payslip.
It is meant for job seekers comparing offers, employees checking a new structure and small employers sketching a salary. It is an estimate before income tax; for exact figures, use your payroll records or an accountant.
This estimate splits your monthly CTC into basic, HRA and a special allowance, takes out the employee share of provident fund (12% of PF wages), optional ESI (0.75% of gross) and the professional tax amount you enter, and shows what is left. If employer contributions are part of your CTC, they are removed from gross first.
Every company structures CTC differently. Basic pay, allowances, bonuses, gratuity, insurance and the PF wage ceiling vary, and income tax (TDS) depends on your tax regime and declarations. The calculator uses the assumptions listed under the result, and you can change them.
No. The result is before income tax (TDS). Tax slabs are not included, so your actual take-home will be lower once TDS is deducted.
Some employers calculate PF only on basic pay up to a ceiling, others on the full basic. Tick the cap option and enter the current ceiling to match your employer. Check the EPFO website for the figure that applies today.
No. The calculation runs in your browser and nothing you enter is sent to a server or saved.
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