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Free Salary Calculator (CTC to In-Hand)
This salary calculator turns your annual CTC into an estimated monthly in-hand salary for India. It takes out employer PF and ESI from CTC, then deducts your own PF, ESI, professional tax and new-regime income tax, and shows every line monthly and yearly. Treat the figure as an estimate and confirm it with your CA.
₹6 lakh a year · ₹50,000 a month
Estimated in-hand salary
₹46,200 / month
₹5,54,400 a year · new tax regime
Rates used: PF 12% from you and 12% from the employer on basic up to ₹15,000 · ESI 0.75% + 3.25% when gross is up to ₹21,000 · standard deduction ₹75,000 · no tax up to ₹12,00,000 of taxable income · cess 4%.
| Component | Monthly | Yearly |
|---|---|---|
| Cost to company (CTC) | ₹50,000 | ₹6,00,000 |
| Less: employer PF (part of CTC) | − ₹1,800 | − ₹21,600 |
| Less: employer ESI (part of CTC) | ₹0 | ₹0 |
| Gross salary | ₹48,200 | ₹5,78,400 |
| Employee PF | − ₹1,800 | − ₹21,600 |
| Employee ESI | ₹0 | ₹0 |
| Professional tax | − ₹200 | − ₹2,400 |
| Income tax (TDS) | ₹0 | ₹0 |
| In-hand salary | ₹46,200 | ₹5,54,400 |
Rates as of Oct 2026 — verify with your CA. This is an estimate, not tax advice.
How to use
How to use the Salary Calculator (CTC to In-Hand)
- 1
Enter your annual CTC in rupees. The hint under the box shows the same figure in lakh and per month, so you can check you typed it right.
- 2
Move the basic pay slider to match your offer letter. Basic usually sits between 30% and 60% of CTC and drives your PF.
- 3
Tick "PF on full basic" only if your employer deducts PF on your whole basic instead of capping it at the PF wage ceiling.
- 4
Change professional tax if your state charges a different amount, or set it to zero if your state does not charge it.
- 5
Read the in-hand figure and breakdown, then share or copy the summary.
How CTC becomes gross salary
CTC, or cost to company, counts everything your employer spends on you in a year. Part of that money never reaches your bank account because the employer pays it to the government funds on your behalf. This calculator treats employer PF and employer ESI as part of CTC, which matches how most Indian offer letters are built.
The steps run like this. Monthly CTC equals annual CTC divided by 12. Basic pay equals the slider percentage of monthly CTC. The employer PF contribution comes from basic, and what is left after employer PF (and employer ESI, when it applies) becomes your monthly gross salary.
ESI creates a small loop, because ESI applies only when gross salary stays within the ESI ceiling, yet employer ESI itself reduces gross. The calculator settles this in a fixed order: it first works out gross as if ESI applies. If that gross falls within the ceiling, ESI applies. If not, ESI is dropped and gross equals CTC minus employer PF. The result never flips back and forth, and the same inputs always give the same answer.
Gratuity, bonus and insurance folded into CTC are not modelled, so leave them out of the CTC you enter.
From gross salary to in-hand pay
Four deductions come out of gross salary each month. Employee PF uses the same rate as the employer side, applied to basic up to the PF wage ceiling, or to full basic if you ticked that option. Employee ESI applies only when your gross falls within the ESI ceiling. Professional tax depends on your state, and income tax is deducted as TDS spread evenly across the year.
In-hand salary equals gross salary minus employee PF, employee ESI, professional tax and monthly TDS. The note under the result card lists the exact rates and limits used, so you can match them against your payslip.
How the income tax estimate works
The calculator uses the new tax regime only. Under it, the standard deduction comes off your yearly gross and the rest is taxed slab by slab. Your own PF contribution does not reduce taxable income under the new regime, so it is not deducted here.
A rebate wipes out the tax when taxable income stays within the rebate limit. Just above that limit, marginal relief applies: the tax cannot exceed the amount by which your income crosses the limit. Health and education cess is then added on top. Surcharge on very high incomes is not included.
If you plan to choose the old regime with deductions such as HRA, home loan interest or section 80C investments, your tax will differ. Ask your CA which regime suits you before you file.
FAQ
Frequently asked questions
CTC includes the employer share of PF and, for lower salaries, ESI, which go to government funds rather than your account. Your own PF, ESI, professional tax and income tax then come out of gross salary. The breakdown table shows each cut.
The new regime only, with the standard deduction as the single deduction. If you use the old regime and claim HRA, 80C or home loan deductions, your tax and in-hand pay will be different, so check with your CA.
PF is normally calculated on basic pay plus DA, up to the PF wage ceiling. Some employers deduct it on the entire basic instead. That raises both your PF savings and the employer share inside CTC, so your in-hand pay drops.
ESI applies only when monthly gross salary is within the ESI ceiling. Above it, neither you nor your employer pays ESI. The note under the result card shows the ceiling currently used.
They come from settings we keep updated as rules change, and the date beside the result shows when they were last checked. Rules and state professional tax amounts do change, so verify the figures with your CA.
No. It is an estimate. Your actual payslip can differ because of allowances, reimbursements, arrears, bonus payouts, the tax regime you choose and how your employer spreads TDS across the year.
Need this built into your own software?Talk to us about HRMS & payroll.
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