In-hand salary calculator
Enter the CTC from your offer letter and see how much reaches your bank account each month.
Monthly take-home, before income tax
₹0
Where your yearly CTC goes
- Paid monthly
- PF, yours and employer's
- Variable pay
- Fixed salary per year
- ₹0
- Basic pay per month
- ₹0
- Your PF per month
- ₹0
- Employer PF per month
- ₹0
- Variable pay (paid later, if earned)
- ₹0
An estimate before income tax and professional tax. PF is 12% of basic pay from you and from your employer. Your payslip may also show gratuity, insurance and other deductions.
How the calculator works
CTC is what the company spends on you in a year, not what you are paid. It includes variable pay that arrives later, if at all, and your employer's PF share, which goes into your PF account instead of your bank.
So the calculator first removes variable pay, then both PF shares, and spreads what is left over 12 months. Income tax depends on your regime and deductions, so it is not included. For the full picture, read CTC vs in-hand salary.
Common questions
Why is employer PF taken out of my CTC?
Does this include income tax?
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