CTC to In-Hand Calculator
Estimate take-home salary using adjustable deductions.
How this tool helps
Estimate annual and monthly take-home pay from CTC using adjustable bonus, PF, tax-rate and deduction inputs.
- CTC is not the same as take-home salary.
- Employer benefits and payroll structure vary by company.
- Use your payslip or offer breakup for a closer estimate.
Worked example: Separate fixed pay from variable pay
- Annual CTC: ₹18,00,000
- Variable bonus: ₹1,00,000
- PF deduction: ₹21,600
- Entered tax percentage: 18%
With these inputs, the calculator estimates annual take-home of ₹13,76,288, or about ₹1,14,691 per month.
The tax percentage is a simplified user-entered assumption, not a statutory Indian income-tax computation. Employer benefits and payroll deductions vary.
Frequently asked questions
Why is in-hand salary lower than CTC?
CTC can include employer contributions, variable pay, benefits and deductions that are not paid as monthly cash salary.
Does this calculate exact Indian income tax?
No. It uses the tax percentage you enter and is intended as an estimate.
Should bonus be treated separately?
Yes, if your bonus is variable or paid at a different frequency, separating it can make monthly estimates clearer.
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