CTC to In-Hand Salary Calculator

How to use this calculator

1. Enter annual ctc — The calculator loads with a worked example already filled in, so you can see what a realistic set of figures looks like before replacing them with your own.
2. Fill in the remaining fields — Every field has a sensible default. Change the ones that apply to you and leave the rest.
3. Read the result — The answer updates as you type — there is nothing to submit. The rows beneath the headline show how it breaks down.
4. Expand the schedule — Where a year-by-year table is offered, open it. The breakdown over time usually shows something the single headline figure does not.
5. Share or print — Use the share button to copy a link with your figures already filled in, or print the result — the print stylesheet strips the navigation and adverts.

What this calculator works out

To use the India CTC to In-Hand Salary Calculator, enter your annual CTC, basic as a share of CTC and provident fund rate. The result — monthly in-hand salary — updates as you type, with no button to press and nothing to submit. The calculation runs entirely in your browser, so the figures you enter are never sent anywhere. The rules applied are those published by the Income Tax Department of India.

How this is calculated

The ctc to in-hand salary calculator applies its formula to the values you enter and returns the result immediately.

A worked example

Take the values this page loads with:

• Annual CTC: ₹1,200,000.00
• Basic as a share of CTC: 40%
• Provident fund rate: 12%
• Estimated annual income tax: ₹90,000.00
• Professional tax (annual): ₹2,400.00

On those figures the monthly in-hand salary is 82,700.00. Broken down:

• Annual CTC: 1,200,000.00
• Basic salary: 480,000.00
• Employer PF (inside CTC, not paid to you): −57,600.00
• Gross salary: 1,142,400.00
• Employee PF: −57,600.00

Change any field above and every figure here recalculates — these numbers are produced by the same formula the calculator runs, so they cannot drift apart from it.

What the figures mean

The headline figure answers the immediate question. These are the ones worth paying attention to:

• Gross salary — the figure worth watching when you change your inputs.
• Annual in-hand — the figure worth watching when you change your inputs.
• Monthly in-hand — the figure worth watching when you change your inputs.

Where a schedule is shown, expand it: the year-by-year breakdown usually reveals something the single headline number hides.

What this calculator assumes

CTC includes the employer PF contribution and often gratuity and insurance too, none of which reach your account — which is why in-hand pay is always well below the headline CTC. Enter your actual tax liability for an accurate figure.

Which tax year this uses

The figures on this page apply to the 2026-27 tax year, which runs from 1 April 2026 to 31 March 2027. Rates, bands and thresholds are stored as versioned data and reviewed against the published source before a year goes live, so a previous year’s page keeps returning that year’s correct answer rather than being silently overwritten.

Why it runs in your browser

Every calculation on this page is arithmetic, and arithmetic does not need a server. Running it locally means the result is instant, it keeps working if your connection drops, and — the part that matters — your salary, your debts and your medical measurements are never transmitted to us. There is no figure on our side to store, log or lose.

Where this calculator stops

A calculator applies the rules it is given to the figures you enter. It cannot see the rest of your circumstances, and real financial decisions are rarely decided by a single number.

Treat the result as a starting point for a conversation — with a lender, an accountant or an adviser — rather than as an answer. Where an institution will quote you a real figure, that figure is the one that counts: it will include fees, your credit profile and terms this page knows nothing about.

Keeping the figures current

Tax rules change, usually annually and sometimes mid-year. The rates behind this page are stored as versioned data rather than written into the code, and a scheduled check flags any rule set approaching its expiry without a successor. The date at the foot of this page tells you when it was last reviewed.