How much salary will you actually take home?
Your offer letter shows CTC, but your bank account sees something smaller. This calculator estimates your in-hand salary by removing what you never receive in cash — the employer's PF (and gratuity if included) — and the usual deductions: your own PF, professional tax, and income tax. Everything runs in your browser, so your salary stays private.
Who uses this tool
Job seekers comparing two offers and wanting to know the actual in-hand difference, employees checking how a raise or promotion changes their monthly salary, and HR teams explaining the gap between CTC and take-home to candidates.
How to use it
- Enter your annual CTC.
- Adjust the basic-salary percentage and professional tax if you know them (defaults are typical).
- Choose the PF base your payslip uses — full basic, or capped at ₹15,000/month.
- Tick "includes gratuity" if your CTC has it, then click Calculate.
Frequently asked questions
How is in-hand salary calculated from CTC?
CTC minus employer PF (and gratuity if included) gives gross salary; then subtract employee PF, professional tax and income tax to get your take-home.
Should I pick full basic or the ₹15,000 cap?
Check your payslip. PF is 12% on whichever base your employer uses. The statutory requirement only goes up to ₹15,000 of monthly basic — ₹1,800 a month — and contributions above that are voluntary, so an employer is not automatically required to match them. Many employers still contribute on your full basic. If your payslip shows exactly ₹1,800, pick the capped option; if it shows 12% of your whole basic, pick full basic.
What's the difference between CTC and in-hand?
CTC includes employer contributions you never receive in cash. In-hand is what actually reaches your account after all deductions.
Is the income tax exact?
It's a new-regime estimate. For a detailed old-vs-new comparison with your deductions, use our Income Tax Calculator.
Is my salary data uploaded?
No — everything is calculated in your browser.