CTC to In-Hand Calculator
Estimate your take-home monthly salary after all statutory deductions.
Pro-tip: "In-hand" is usually less than CTC because employers include benefits like EPF and Gratuity in the CTC figure.
Monthly Take-Home
₹96,192
Annual: ₹11,54,300
Yearly Income Tax
₹0
EPF Deduction (Yearly)
₹21,600
Projected Components
DISCLAIMER: This tool provides estimates based on current laws and regulations. Tax, GST, and labor laws are subject to periodic changes. Consult a qualified professional for precise compliance.
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Using the Salary Breakdown & Take-Home Calculator
Our comprehensive salary calculator for India help you decode your CTC and understand your actual in-hand pay. Whether you're considering a new job offer or planning your monthly budget, this tool provides a clear breakdown of Indian statutory deductions.
Key Features
- •Converts yearly CTC into monthly Gross and Net (Take-Home) salary
- •Calculates mandatory Employee PF and Professional Tax deductions
- •Breaks down components like Basic Pay, HRA, and Special Allowance
- •Estimates monthly Income Tax (TDS) based on the latest tax slabs
- •Helps you understand the impact of bonuses and variable pay
- •Fast, private, and 100% free with no registration required
How to calculate Salary Breakdown & Take-Home Calculator
Step-by-step Guide & Informational Intent
- 1.Enter your 'Annual CTC' (Total package) as per your offer letter.
- 2.The calculator will instantly generate your monthly Gross Salary.
- 3.Review the deductions for EPF, Professional Tax, and Income Tax.
- 4.View your final 'Monthly Take-Home' amount.
- 5.Adjust the settings to see how different Basic Pay percentages affect your net pay.
How the Calculation Works
The breakdown follows the standard Indian payroll structure where Basic is often 40-50% of CTC. It subtracts EPF (12% of Basic), PT (State-specific), and TDS to arrive at the final in-hand salary.
Important Assumptions
- • Basic Pay is assumed at 50% of CTC unless specified
- • EPF contribution is 12% of Basic (capped as per norms)
- • Professional Tax is calculated at a standard ₹200-200/month
- • Income Tax uses the New Tax Regime (2024-25) defaults
Salary Structure Examples
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Developed by a multidisciplinary team of financial analysts, medical professionals, and data engineers. Our algorithms are rigorously calibrated against official Indian standards (RBI, SEBI, ICMR, WHO) to ensure precision for your financial planning and health monitoring needs.
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Salary Breakdown & Take-Home Calculator
Our comprehensive salary calculator for India help you decode your CTC and understand your actual in-hand pay. Whether you're considering a new job offer or planning your monthly budget, this tool provides a clear breakdown of Indian statutory deductions.