FREE SALARY TOOL

CTC to In-Hand Salary Calculator 2026

Convert your annual CTC into an estimated monthly in-hand salary with a detailed salary breakdown.

Enter Salary Details
₹
%
₹
Employer-side PF included in CTC.
₹
Enter only if gratuity is included in your CTC.
₹
Annual variable component included in CTC.
₹
₹
₹
₹
₹
ESTIMATED MONTHLY IN-HAND SALARY ₹0 After entered monthly deductions
Estimated Monthly Gross ₹0
Total Monthly Deductions ₹0
Estimated Annual Take Home ₹0
Monthly CTC ₹0
CTC to Salary Breakdown
Annual CTC ₹0
Monthly CTC ₹0
Estimated Annual Basic Salary ₹0
Employer PF in CTC ₹0
Gratuity in CTC ₹0
Bonus / Variable Pay ₹0
Annual Fixed Cash Salary ₹0
Estimated Monthly Gross ₹0
Employee PF ₹0
Income Tax / TDS ₹0
Professional Tax ₹0
NPS / Other Deduction ₹0
Other Deductions ₹0
Total Monthly Deductions ₹0
Estimated Monthly In-Hand ₹0
Estimated Annual Take Home ₹0
CTC vs Take-Home
Annual CTC ₹0
Estimated Annual Take Home ₹0
How the estimate works:
Annual Fixed Cash Salary = Annual CTC − Employer PF − Gratuity − Annual Bonus / Variable Pay

Estimated Monthly Gross = Annual Fixed Cash Salary ÷ 12

Monthly In-Hand = Monthly Gross − Employee PF − TDS − Professional Tax − NPS − Other Deductions
Important: CTC and in-hand salary structures vary between employers. Employer PF, gratuity, insurance, bonus, variable pay and other benefits may be included differently in CTC. Tax also depends on taxable income, tax regime and eligible deductions. Enter the components from your actual offer letter or salary structure for a better estimate.
Free calculator by PayslipInfo.com