Salary Calculator India: CTC to In-Hand Salary
A salary calculator helps employees estimate monthly in-hand salary from annual CTC after common deductions such as employee PF, professional tax and income tax. CTC can include fixed pay, variable bonus, employer contributions, benefits and reimbursements, so the amount credited to your bank account is usually lower than the headline offer. Enter annual CTC, expected bonus, PF percentage, professional tax and deductions to estimate monthly and annual take-home salary. This India salary calculator uses a simplified structure with basic pay at 50% of CTC and new-regime tax logic for quick planning. Actual payroll can vary by employer policy, state tax rules, reimbursements, exemptions and declaration proofs.
Salary Calculator FAQs
Why is in-hand salary lower than CTC?
CTC may include employer contributions, variable pay, tax deductions and benefits that are not monthly take-home pay.
Does this include HRA exemption?
No. This simplified calculator uses new-regime logic and does not calculate HRA exemption.
Can professional tax vary by state?
Yes. Professional tax depends on state rules and salary level where applicable.
Is PF calculated exactly?
No. PF can vary by employer policy and statutory wage rules, so this estimate uses your selected percentage.