Salary Calculator
Estimate your monthly take-home pay from your annual CTC, accounting for PF, professional tax and standard deductions.
How to use Salary Calculator
- 1Enter your annual CTC.
- 2Adjust the basic pay percentage if you know your employer's structure (defaults to 50% of CTC).
- 3Enter your monthly professional tax, if applicable in your state.
- 4View your estimated monthly and annual in-hand salary.
About Salary Calculator
Your CTC (Cost to Company) is rarely the amount that lands in your bank account. This calculator breaks your annual CTC down into basic pay, HRA, employer PF contribution and standard deductions, to estimate your monthly in-hand salary.
Benefits
- • Get a realistic take-home estimate before accepting a job offer.
- • Understand how much of your CTC is deducted toward PF and other components.
- • Compare offers with different CTC structures on a like-for-like in-hand basis.
Common mistakes
- • Treating CTC as the amount you'll receive monthly — it includes employer contributions you never see in cash.
- • Ignoring variable pay or bonuses that may be included in CTC but paid only annually or conditionally.
- • Not accounting for income tax, which this calculator does not compute.
Frequently Asked Questions
No. Income tax depends on your tax regime, exemptions and other income, so it isn't included here. This calculator focuses on CTC-to-gross and standard deductions like PF.
CTC includes employer PF contribution, gratuity provision and other benefits that aren't paid out as monthly cash salary.
Related tools
HRA Calculator
Calculate your tax-exempt HRA amount based on salary and rent paid.
GST Calculator
Add or remove GST from any amount at standard Indian GST rates.
PF Calculator
Estimate your EPF balance at retirement from monthly contributions.
Gratuity Calculator
Calculate gratuity payable based on salary and years of service.