CTC to In-Hand Salary Calculator

For job seekers comparing offers and employees decoding their CTC. Enter the CTC and basic share to get gross pay, PF, income tax and monthly take-home.

FreeRuns in your browserNothing uploadedNo sign-up neededAll 15 calculators in the Salary & Earnings Calculators

Estimates only, not financial or tax advice. These calculators are for planning. Tax slabs and statutory rates change, so confirm exact figures against the official income tax portal or a qualified professional before you act. Everything runs on your device; nothing you type is sent to a server.

Salary

CTC to take-home breakdown

Split a CTC into gross, PF, tax and monthly take-home.

Annual CTC (Rs)

Basic as percent of CTC

Regime

Old-regime deductions (Rs)

Monthly take-home

Rs 0

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How to use

How to use the CTC to In-Hand Salary Calculator

Enter the Annual CTC (Rs) from your offer letter.
Set Basic as percent of CTC, often 40 to 50 for most offers.
Pick the Regime and, for the old regime, add Old-regime deductions (Rs).
Read the Monthly take-home and the gross, PF and tax lines.

Worked example

An example, step by step

You enter

Annual CTC Rs 15,00,000, Basic 50 percent of CTC, New regime, Old-regime deductions Rs 0

The tool shows

Monthly take-home Rs 1,02,845; Gross Rs 14,10,000; Employee PF Rs 90,000; Income tax Rs 83,460; Annual take-home Rs 12,34,140

FAQ

Questions about the CTC to In-Hand Salary Calculator

What is the in-hand salary for 15 LPA CTC?

With basic at 50 percent and the new regime, about Rs 1,02,845 a month for FY 2025-26. A lower basic share means less PF and slightly higher take-home.

Why is in-hand pay so much lower than CTC divided by 12?

CTC includes the employer PF share, and your own 12 percent PF, professional tax and income tax are taken out of gross. This tool shows each of those cuts separately.

What does the CTC calculator assume about PF and professional tax?

It takes employer and employee PF as 12 percent of basic each, with employer PF inside the CTC, and professional tax as Rs 2,400 a year. Bonus, gratuity and other CTC parts are not split out.

Is the CTC to In-Hand Salary Calculator free and private?

Yes. It is free, needs no sign-up and runs entirely in your browser, so what you type is not uploaded. You only sign in if you want to email a result to yourself or save it to your CareerByteCode profile.

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