CTC to In-Hand Salary Calculator
Estimate monthly take-home salary from annual CTC with PF, bonus, gratuity, professional tax, and old vs new regime tax comparison.
Estimate Monthly In-Hand Salary
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How this CTC calculator estimates take-home pay
The calculator separates employer PF, gratuity, and bonus from the CTC, then estimates employee PF, professional tax, and income tax to arrive at a monthly in-hand salary under both regimes.
Monthly In-Hand = (Gross Fixed Pay − Employee PF − Taxes − Professional Tax) ÷ 12
Actual salary structures vary by company, so use this as a planning estimate rather than a payroll slip replacement.
FAQ
Is CTC the same as in-hand salary?
No. CTC includes employer contributions and benefits that do not come to you as immediate take-home cash.
Why does the tool show old and new regime?
Because tax regime selection can change your monthly in-hand number, especially at common salary bands.
Does every company use 40% basic salary?
No. It varies by employer, which is why the basic percentage is a configurable field.