Salary Calculator – CTC to Monthly In-Hand Salary
Break annual CTC into estimated gross salary, payroll deductions, income tax and monthly take-home pay.
CTC is not the same as money received in your bank account
CTC can include employer PF, gratuity and other benefits that are not paid as monthly cash. This calculator separates those components, subtracts employee-side payroll deductions and estimates income tax.
Best practice
Use your offer letter or salary structure for the employer PF and gratuity fields. If a component is not part of your CTC, enter zero.
Simple, practical and designed for India
Use the calculator for quick estimates and planning. Results are indicative and depend on the assumptions, rates, rules and information you enter. For tax and financial decisions, verify the result against the latest official rules and your individual circumstances.
USR Advisory & Consulting Services provides research-driven and practical financial information. Calculator outputs are for educational and planning purposes and are not a substitute for professional tax, legal or investment advice.