Free Salary Tool
CTC to In-Hand Salary Calculator (India)
Estimate your monthly in-hand salary from annual CTC using old vs new tax regime, PF, HRA, and common deductions. This tool is available without login.
Inputs
Estimated Result
Monthly In-Hand (Excluding Variable)
₹80,197
Annual In-Hand (Excl. Variable)
₹9,62,370
Annual In-Hand (Incl. Variable)
₹10,82,370
Gross Salary (CTC - Employer PF)
₹11,78,400
Estimated Income Tax
₹72,030
Employee PF
₹21,600
Taxable Income
₹11,28,400
Basic Pay Assumption
₹4,80,000
HRA Exemption (Old Regime)
₹2,40,000
Assumptions
- Tax is estimated using common slab rates and 4% cess. Surcharge and special cases are not included.
- Employee and employer PF are estimated at 12% of basic pay with a standard wage ceiling assumption.
- This is an estimate for planning; exact payroll values can differ by company structure and state rules.