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Money & Calculators
Free online tool
Estimate monthly in-hand salary from annual CTC using the deductions and assumptions shown by the tool.
Calculator results are estimates. Check important financial, tax or market figures against the relevant current official source or professional advice.
Tool workspace
Enter the values you want to calculate, then review the estimate below.
Comparing job offers, understanding salary structure and planning a monthly budget.
Ask the employer for the complete salary breakup because CTC can include benefits that are not paid as monthly cash.
Actual take-home depends on employer structure, tax regime, provident fund, insurance and other deductions.
How to use it
Use the controls above, check the result, then copy or download it when available.
Not necessarily. Use the result as an estimate and compare it with your employer's actual payroll structure.
Use this tool whenever you need: Comparing job offers, understanding salary structure and planning a monthly budget. It offers a fast, client-side workflow without sign-ups, installation or complex software.
Yes. All processing executes locally in your browser using client-side JavaScript. Your inputs, files and calculations remain private and are never uploaded to our servers.
Ask the employer for the complete salary breakup because CTC can include benefits that are not paid as monthly cash. Important note: Actual take-home depends on employer structure, tax regime, provident fund, insurance and other deductions.
Related
Money utility
Enter your CTC and a few salary details to estimate your monthly in-hand pay.
Your total Cost to Company for the year.
Include employer-side benefits that are part of your package.
Basic as a percentage of CTC.
Common example: 50%.
Tax deducted each month.
Use the amount on your payslip.
Estimated monthly in-hand
₹93,796
Annual take-home: ₹11,25,554
Gross salary
₹11,49,554
Income tax + cess
₹0
Employee PF
₹21,600
Employer PF + gratuity
₹50,446
Estimate based on
Basic: ₹6,00,000/year
Taxable: ₹10,74,554
PF: ₹21,600/year
Prof. tax: ₹2,400/year
Estimate for FY 2026-27 using a simplified salary structure. PF is estimated at 12% of the selected PF wage basis; gratuity provision uses 15 days of wages for each completed year (annualised here as 15/26/12 of basic). Income tax uses the new-regime ₹75,000 standard deduction, ₹60,000 Section 87A rebate up to ₹12 lakh taxable income, and marginal relief just above that threshold. Actual payroll can differ based on your employer’s PF arrangement, wage definition, benefits, bonus, professional tax and other deductions. This is not a payslip or tax-filing calculation.