CTC to In-Hand Salary Calculator (India)
Your CTC includes employer contributions you never actually receive. Enter your CTC to estimate your real monthly in-hand, and see exactly where the rest goes.
Estimate only, actual figures depend on your company salary structure, your state professional tax, and your declarations. Income tax uses India new tax regime (FY 2025-26) with standard deduction and 87A rebate. Not financial advice. Read our disclaimer.
How the Salary Breakdown Calculator works
Choose your country and enter your salary, and the tool itemises exactly where the money goes — income tax, social contributions, and (for India) the CTC components like employer PF and gratuity that never reach your bank account — to show your real monthly and annual take-home. It uses each country’s current tax rules, so the result reflects what you actually keep.
Why your in-hand is lower than your CTC or gross
Your offer letter shows a headline number, but several deductions stand between it and your bank balance. In India, CTC bundles employer PF and gratuity you never receive monthly; everywhere, income tax and social contributions (PF, NI, or FICA) come out before you are paid. Understanding this split is the difference between a salary that sounds good and one that actually pays your bills. Learn the fundamentals in our guides on what CTC means and CTC vs in-hand salary.
How to use it
- Compare a new offer’s real take-home against your current one.
- See how much of a raise actually reaches you after tax.
- Budget around your true monthly in-hand, not the headline figure.
Frequently asked questions
Which countries does it support?
All ten from the country bar, with India offering the full CTC-to-in-hand breakdown and the others showing gross-to-take-home with local income tax and social contributions.
Is the tax calculation up to date?
It uses current-year tax rules, including India’s new regime for 2025–26. It is an estimate — your actual figure depends on your company’s salary structure and your declarations.
Just want the take-home number?
Use the Salary Calculator for a quick net-pay figure, or this tool for the full itemised breakdown.