Free tool · Rules updated 28 Sep 2026
Salary Take-Home Calculator — In-Hand from CTC
Enter your annual CTC and basic %. We deduct employer and employee PF, professional tax and income tax (new regime) to estimate your monthly in-hand salary.
Fill in the details — your result appears here instantly.
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Salary Take-Home — common questions
Why is in-hand lower than CTC ÷ 12?
CTC includes employer PF, gratuity and other benefits you do not get every month, and income tax (TDS) and professional tax are deducted from salary.
This tool gives an estimate based on the rules shown. Your actual figure depends on your full details — our expert confirms it before any filing.
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