Salary calculator

Salary In-Hand Calculator India

Estimate monthly take-home salary in India from CTC or gross salary, while separating employee PF, employer PF, TDS, professional tax, benefits, and variable pay.

Category: MoneyLast updated: 8 June 2026

Interactive calculator

Estimate salary received after deductions

Enter CTC, monthly gross, or both. Add only the payroll details you know; monthly gross takes priority for the in-hand estimate.

Start with what you know

CTC gives annual context. Monthly gross is the better starting point for take-home salary.

Annual CTC (optional if the other is entered)

Total annual cost to company. Enter zero or leave blank if unknown. Monthly gross salary (optional if the other is entered)

Gross pay before employee deductions. If entered, this drives monthly take-home.

Add salary breakup and deductions

These details improve the estimate. Leave an unknown amount blank rather than guessing.

Basic salary per month

Optional payslip or offer-breakup figure; it does not replace gross salary. Employer PF included in CTC? Employer PF may be part of CTC but is not cash received in monthly salary. Employer PF amount per month

Used to separate employer PF from CTC when monthly gross must be estimated. Employee PF amount per month

The employee PF deduction shown on the payslip. Professional tax per month

This can vary by state and payroll period. Monthly TDS / income tax deduction

Use the payslip deduction or your payroll estimate. Tax slabs are not calculated here. Insurance / benefits deduction per month

Employee-paid insurance, meal plan, transport, or similar deductions. Other deductions per month

Add recurring employee-side deductions not listed above. Annual bonus / variable pay included in CTC

Enter the annual variable amount included in CTC, even if it is paid later. Bonus paid monthly or yearly? Yearly variable pay is kept outside guaranteed monthly take-home.

Estimated monthly in-hand

₹42,000

Clear

Monthly gross: ₹45,000 ( entered )

Estimated annual in-hand: ₹5,34,000
Total monthly deductions: ₹3,000
Annual CTC: ₹6,00,000
Annual variable / bonus: ₹30,000

More ratios

In-hand / monthly gross: 93.3%
Annual in-hand / CTC: 89%
Basic / monthly gross: 50%

Monthly deduction breakdown

Employee PF: ₹1,800
Professional tax: ₹200
TDS / income tax: ₹500
Insurance / benefits: ₹500
Other deductions: ₹0
Employer PF included in CTC: ₹1,800

Employer PF is shown separately because it may be part of CTC, but it is not an employee-side deduction from monthly gross.

Salary structure

Basic is about 50% of monthly gross, which sets the base for PF, gratuity, and HRA exemption. Compare this across offers, not just the headline CTC.

What this means

Estimated monthly in-hand is ₹42,000. The monthly gross salary you entered was used for this estimate. CTC is not the same as monthly spendable salary.

Practical decision

Use monthly in-hand salary, not CTC, for rent, household spending, and EMI planning. Keep yearly variable pay separate from guaranteed monthly cash.

What to try next

Plan this take-home in the Monthly Budget Calculator and check borrowing room with EMI Affordability. Leaving a job? The Notice Period Salary Calculator estimates pay and recovery for your exit.

Estimate only. Company payroll rules can differ; this is not payroll, tax, or legal advice.

What to do next

Continue your decision

Formula, example, assumptions, and FAQs — open any section for the detail.

Formula

Monthly in-hand salary

Monthly in-hand = monthly gross − employee PF − professional tax − TDS − insurance/benefits − other deductions

Employer PF is not subtracted here because it is an employer-side CTC component, not an employee deduction from gross salary.

CTC-only monthly gross estimate

Fixed monthly gross = (annual CTC − annual variable pay − employer PF included in CTC × 12) ÷ 12

When monthly gross is missing, the calculator uses this transparent estimate. Monthly-paid variable is then added back monthly; yearly variable remains outside guaranteed monthly cash.

Annual in-hand context

Estimated annual in-hand = monthly in-hand × 12 + yearly variable pay

This is a planning estimate. Bonus-specific TDS, payout conditions, payroll adjustments, and company rules can change the amount actually received.

Salary clarity status

Incomplete input: sparse CTC-only estimate · Deduction-heavy: employee deductions at least 25% of gross · Otherwise clear

The status indicates how to read the estimate. It is not a judgement about whether a salary package is good or bad.

Worked example

Example for ₹6,00,000 annual CTC and ₹45,000 monthly gross

The offer shows ₹6,00,000 CTC, ₹45,000 monthly gross, ₹1,800 employee PF, ₹1,800 employer PF included in CTC, ₹200 professional tax, ₹500 TDS, ₹500 benefits deduction, and ₹30,000 yearly variable pay.

Calculation:Employee-side deductions are ₹1,800 + ₹200 + ₹500 + ₹500 = ₹3,000. Monthly in-hand is ₹45,000 − ₹3,000 = ₹42,000. Employer PF is shown separately and not deducted again.

Result:Estimated monthly in-hand is ₹42,000. Estimated annual in-hand is ₹5,34,000 when the ₹30,000 yearly variable payout is included before any bonus-specific tax adjustment. Basic is ₹22,500, about 50% of gross, which sets the base for PF, gratuity, and HRA exemption when comparing offers. Use ₹42,000, not ₹6 lakh CTC, for recurring rent and EMI planning.

Assumptions

Entered monthly gross, when provided, is used for monthly take-home even if CTC is also entered.
When monthly gross is entered, it is assumed to already include any variable amount paid every month.
When monthly gross is missing, CTC is reduced by entered annual variable pay and employer PF included in CTC before fixed monthly gross is estimated.
Employee PF, professional tax, TDS, insurance or benefits, and other deductions reduce monthly gross.
Employer PF may be part of CTC but is not monthly spendable cash and is not an employee-side deduction.
Yearly variable pay is excluded from monthly in-hand and added only to annual context.
The annual estimate does not calculate a separate tax adjustment for bonus or variable pay.
Professional tax, TDS, PF treatment, benefits, and payroll timing can differ by state, employer, and payslip.

Common mistakes

Using annual CTC divided by twelve as guaranteed monthly cash.
Subtracting employer PF and employee PF as if both were payslip deductions.
Counting yearly bonus or variable pay as money that arrives every month.
Leaving TDS at zero even when income tax is deducted from the payslip.
Using gross salary rather than monthly in-hand for rent, budget, or EMI planning.
Treating an offer letter estimate as a payroll guarantee.

Accuracy notes

The formula is deterministic from the entered salary structure. CTC-only estimates are less reliable than a current payslip because employer benefits, gratuity, reimbursements, bonus conditions, and payroll-specific items may not be entered. Money is rounded to whole rupees and percentages to one decimal place.

Frequently asked questions

Is CTC the same as in-hand salary?

No. CTC can include employer PF, annual bonus, insurance, gratuity, or other benefits. In-hand salary is the cash received after employee-side payroll deductions.

What if I know CTC but not monthly gross?

Enter CTC and whatever breakup you know. The calculator estimates monthly gross after separating annual variable pay and employer PF included in CTC, and marks sparse estimates as incomplete input.

What if I know monthly gross but not CTC?

Enter monthly gross and the deductions you know. Monthly in-hand will still be calculated, while the CTC percentage will remain unavailable.

Why are employer PF and employee PF separate?

Employee PF is deducted from gross salary. Employer PF is paid by the employer and may be included in CTC, but it is not cash available for monthly spending.

Does this calculator apply current income tax slabs?

No. Enter monthly TDS from a payslip or payroll estimate. This avoids presenting an unversioned tax calculation as exact.

Why can actual salary differ from this result?

Payroll rules, tax declarations, arrears, reimbursements, unpaid leave, bonus tax, state professional tax, and company benefit deductions can change the final payslip.

This calculator provides an estimate for salary planning only. It is not payroll, income tax, financial, or legal advice and does not guarantee the amount an employer will pay.Read the full disclaimer.

Last updated: 8 June 2026More Money calculators