What is a CTC to In-hand Salary Calculator?
A CTC to In-hand Salary Calculator estimates your monthly take-home pay from your yearly cost to company, after PF, gratuity, professional tax and income tax.
CTC includes parts you do not receive every month, such as the employer’s PF share and gratuity. Your actual in-hand pay depends on your salary structure, so treat this as an estimate.
How to use the CTC to In-hand Salary Calculator
- Enter yearly CTC.
- Enter basic pay.
- Tap Calculate to see the result.
- Tap Reset to clear the fields and try again.
Who should use it
- Job seekers comparing offers
- Employees checking their payslip
- Anyone planning a monthly budget
Key terms
- CTC
- The total yearly cost your employer spends on you.
- Basic pay
- The fixed core of salary, used for PF and gratuity.
- In-hand salary
- What reaches your bank account each month.
Frequently asked questions
Why is in-hand lower than CTC?
CTC includes employer PF, gratuity and other benefits not paid monthly.
Which tax regime is used?
The new regime, which is the default.
Does it include bonuses?
Only if they are part of the CTC you enter.
Is professional tax the same everywhere?
No. It varies by state and is not charged in some states.
Is my data stored?
No. Everything you enter stays in your browser and is cleared when you close the page.
Last updated: 1 November 2026