Kaam Ki Dukaan

Salary calculator (CTC to in-hand)

Estimate your monthly take-home pay from your annual CTC.

CTC to in-hand salary

Works offline

Annual CTC (₹)

Basic pay (% of CTC)

Professional tax (₹ per month)

Employee PF

Employer PF is part of CTC

Gross per month

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Basic per month

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Employee PF

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Professional tax

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Income tax (TDS, est.)

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In-hand per month

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In-hand per year

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Estimate only. Tax uses the new regime for FY 2026-27 with the standard deduction and no other deductions. Gratuity, insurance, bonus and variable pay differ by employer, so check your offer letter or payslip.

How CTC becomes in-hand salary

CTC (cost to company) includes items that never reach your bank account, such as the employer’s PF contribution. In-hand salary is what is left after the employee’s PF, professional tax and income tax deducted at source (TDS) are taken out of the gross pay.

Professional tax

Professional tax is charged by states and the amount depends on the state and salary slab. Karnataka (Bangalore) usually deducts ₹200 per month; enter your own state’s figure from your payslip.

Frequently asked questions

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

Because of employer PF, employee PF, professional tax, income tax and any insurance or gratuity inside the CTC.

Is the tax figure exact?

No. It is a simple estimate under the new regime. Your employer’s payroll may use the old regime or count other deductions.

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Page reviewed 25 October 2026.