Salary Calculator
Convert CTC to in-hand salary online for free. Editable PF, tax and deduction percentages with a full monthly breakdown — instant, private, no sign-up.
Deductions — edit to match your payslip
Your real in-hand pay depends on your employer's exact structure — PF, gratuity, bonuses, allowances and local tax rules all vary. Use the percentages above to match your payslip.
Please note: For estimates only. Real in-hand pay depends on your employer's exact structure — PF, gratuity, bonuses, allowances and local tax rules all vary. Match the fields to your payslip for a closer figure.
How to use the Salary Calculator
- Enter your annual CTC.
- Adjust the PF, tax and other-deduction fields to match your payslip.
- Hit Calculate in-hand salary to see your monthly breakdown.
Frequently Asked Questions
What is CTC?
CTC (cost to company) is the total amount your employer spends on you in a year, including salary, provident fund, gratuity, insurance and bonuses — not just what lands in your bank.
Why is my in-hand salary lower than CTC ÷ 12?
Because CTC includes employer contributions and benefits you never receive as cash, plus deductions like provident fund and tax that come out before you are paid.
Are these figures exact?
No — they are estimates. Edit the PF, tax and other-deduction fields to match your payslip for a closer figure, and confirm with your employer's payroll.