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Payroll & Compliance Calculators

Salary Calculator (CTC to In-hand)

Convert CTC to monthly in-hand salary with PF and tax estimate.

Enter your details

₹
The Labour Codes expect wages (basic + DA etc.) to be at least about 50% of total pay.
₹
Depends on your state's slab — enter 0 if none. Yearly total is capped at ₹2,500.
Estimate only. Results depend on the inputs and the rules and rates described below. Verify with the official source or a professional before filing or investing; this is not tax, legal or investment advice.

How it is calculated

Gross = CTC − employer PF − employer ESIC (if gross ≤ ₹21,000/month) − gratuity provision. In-hand = Gross − employee PF (12%) − employee ESIC (0.75%) − professional tax − income tax. Income tax (new regime) = slab tax on (Gross − ₹75,000) with 87A rebate and 4% cess; slabs 0–4L nil, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, above 24L 30%.

Worked example

CTC ₹12,00,000, basic 50%, PF on ceiling, gratuity included: employer PF ₹21,600 and gratuity ≈ ₹28,860 a year give gross ≈ ₹11,49,540; taxable ≈ ₹10,74,540 so tax is nil after rebate. In-hand ≈ ₹91,000 a month after PF ₹1,800 and PT ₹200.

About the Salary Calculator (CTC to In-hand)

Convert CTC to monthly in-hand salary with PF and tax estimate. This free payroll & compliance tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.

What you need to enter

You will be asked for annual ctc (₹), basic as % of gross salary, pf deduction, professional tax per month (₹). Optional switches: ctc includes employer gratuity provision (4.81% of basic), estimate income tax (new regime, fy 2026-27). Fields marked * are required. Every field shows a hint and the allowed range.

How to use it

  1. Fill in the inputs (sample values are pre-filled so you can see how it works).
  2. Press Calculate to see the result, breakdown and chart.
  3. Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.

Who it helps

Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.

Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.

Frequently asked questions

Why is in-hand much lower than CTC ÷ 12?

CTC includes employer-side costs (PF, gratuity, insurance) you never receive in cash, plus deductions like employee PF, professional tax and TDS.

Is income up to ₹12 lakh really tax-free?

Under the new regime, taxable income up to ₹12 lakh (after the ₹75,000 standard deduction, so salary up to ₹12.75 lakh) gets a full rebate under section 87A. This applies to resident individuals and does not cover special-rate income.

Can I reduce the PF deduction?

Employees can choose to contribute on the ₹15,000 ceiling if the employer permits; it raises take-home but lowers retirement savings. Use the PF dropdown to compare.

Need help beyond the calculator?

Talk to our tax and compliance team for advice based on your documents.

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