Free Salary Calculator
Turn your annual CTC into your real monthly in-hand salary. See where every rupee goes, from basic and HRA to PF, professional tax and income tax, under both the new and old regimes.
Lower rates, a 75,000 standard deduction, and income up to 12 lakh tax free.
Sensible defaults are filled in. Open this to match your own offer letter.
₹10,24,740 a year in-hand, from a ₹12,00,000 CTC
| Component | Monthly | Yearly |
|---|---|---|
| Basic | ₹50,000 | ₹6,00,000 |
| HRA | ₹25,000 | ₹3,00,000 |
| Special allowance | ₹16,595 | ₹1,99,140 |
| Employer PFIn CTC, not in-hand | ₹6,000 | ₹72,000 |
| GratuityIn CTC, not in-hand | ₹2,405 | ₹28,860 |
| Gross salary | ₹91,595 | ₹10,99,140 |
| Less: Employee PF | - ₹6,000 | - ₹72,000 |
| Less: Professional tax | - ₹200 | - ₹2,400 |
| Less: Income tax | - ₹0 | - ₹0 |
| Net in-hand | ₹85,395 | ₹10,24,740 |
This is an estimate built on the assumptions above. Your real in-hand depends on how your employer structures your CTC, and on exemptions like HRA that this tool does not model. The new regime does not allow HRA or 80C, only the standard deduction.
An estimate for a straightforward salary. Check your offer letter and payslip for the exact split before you rely on it.
From CTC to in-hand in four steps.
Enter your package, choose a regime, and read your monthly take-home with every component and deduction laid out.
Enter your CTC
Type your annual cost to company, the full package your offer letter quotes. That is the number the calculator works down from.
Pick your tax regime
Choose the new or the old regime. The new regime has lower rates and a bigger rebate, the old regime lets you claim more deductions.
Tune the assumptions
Set how your CTC splits into basic, HRA, PF and gratuity. Sensible defaults are filled in, so you can leave them as they are or match your own structure.
Read your in-hand
See your monthly take-home salary, with a full monthly and yearly breakdown of every component and deduction that gets you there.
What sits between your CTC and your bank.
Your headline package is not what lands each month. These are the parts that move the number, and why in-hand is always lower than CTC.
CTC vs gross vs in-hand
CTC is the whole package, including the parts your employer pays that never reach your bank, like their PF share and gratuity. Gross is your salary before deductions. In-hand is what actually lands each month, after PF, professional tax and income tax.
Provident fund
Both you and your employer usually put 12% of basic into PF. Your share is deducted from your salary, so it lowers your in-hand, but it is still your money and it grows tax free. You can cap it at the 15,000 a month wage ceiling if your employer follows that rule.
Gratuity
Gratuity is set aside at 4.81% of basic and is often shown inside your CTC. You receive it when you leave after five years of service, so it is part of your package but not part of your monthly in-hand.
Professional tax
A small state level tax on salaried income, often around 200 a month or 2,400 a year, though it varies by state and a few states do not levy it at all. It comes straight off your salary.
New vs old regime
The new regime is the default and gives a 75,000 standard deduction and a rebate that makes taxable income up to 12 lakh tax free. The old regime gives a 50,000 standard deduction and lets you claim 80C, HRA and more. This tool models the standard deduction for both and 80C from your PF for the old regime, so use the HRA and Income Tax tools for the rest.
What lowers your in-hand
Three things come off your gross to give your take-home: your PF contribution, professional tax and income tax. Raise your PF or your tax and your in-hand drops, even though your CTC has not changed.
Payroll that runs itself.
This tool checks one salary. Paying a whole team, with payslips, PF and professional tax across states, TDS and clean compliance, needs proper payroll. That is the kind of HR, payroll and ERP software we build at Techliphant, shaped around how your company actually pays people.
Comparing regimes or claiming rent? Income tax calculator and HRA calculator.
Common salary questions.
CTC, or cost to company, is the total your employer spends on you in a year, including parts you never see in your account like their PF share and gratuity. In-hand salary is what actually reaches your bank each month after your PF, professional tax and income tax are taken out. In-hand is always lower than CTC, often by a fair bit.
First the employer PF share and gratuity are removed from CTC to get your gross salary. Then your own PF contribution, professional tax and income tax are deducted from that gross. What is left is your net annual pay, and dividing it by twelve gives your monthly in-hand. This calculator does all of that for you and shows each step.
The usual deductions are your provident fund contribution, professional tax, and income tax deducted at source (TDS). Some companies also deduct for insurance or other benefits. This tool covers PF, professional tax and income tax, which are the three that apply to almost everyone.
Employee provident fund is normally 12% of your basic salary, matched by another 12% from your employer. If your employer uses the statutory wage ceiling, the 12% is worked out on 15,000 a month rather than your full basic. You can turn that cap on in the assumptions to match your payslip.
Professional tax is a small tax that some states charge on salaried income. It is usually around 200 a month, so about 2,400 a year, with the exact amount and slabs set by each state. A few states do not charge it at all. You can edit the yearly amount in the calculator to match your state.
The new regime is usually cheaper if you do not claim many deductions, thanks to its lower rates and the rebate that makes income up to 12 lakh tax free. The old regime can still win if you claim a lot, such as a full 80C, HRA and home loan interest. Try both here, then confirm the detail with our Income Tax Calculator.
Because a chunk of CTC never reaches you as monthly cash. The employer PF share and gratuity sit inside CTC but are paid elsewhere, and then your own PF, professional tax and income tax come off your gross. Together these can be a large share of the headline number, which is why the take-home feels smaller than the offer.
They are a close estimate built on standard assumptions you can edit. Your real salary depends on how your employer structures your CTC, which allowances they use, and deductions like HRA that this tool does not model. Treat it as a planning guide, and check your offer letter and payslip for the exact split.
Yes on both. It is free, there is no sign-up, and it runs entirely in your browser. Nothing you type is sent anywhere or saved, so your salary details stay on your own device.
It is great for checking a single salary or comparing offers. Running payroll for a team, with payslips, PF and professional tax filings, TDS and compliance across states, needs proper payroll software. That is the kind of HR and payroll system we build at Techliphant, shaped around how your company actually pays people.
Private by design: this calculator runs entirely in your browser, so nothing you type is uploaded or stored. It is a planning estimate built on standard, editable assumptions and covers a straightforward salary. Your real in-hand depends on your employer's CTC structure and exemptions this tool does not model, so confirm the figures against your payslip.
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