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CTC versus take-home salary
CTC can include employer PF, gratuity and benefits that do not arrive as monthly cash. Take-home salary is the amount left after applicable employee deductions and estimated tax.
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SALARY CALCULATOR · FINANCE CALCULATOR INDIA
Salary Calculator
Estimate monthly in-hand salary from a detailed CTC structure.
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What you'll need
- editAnnual fixed CTC₹
- editAnnual variable pay₹
- editBasic salary share%
- editAnnual HRA allowance₹
- editHRA tax exemption (old regime)₹
- editOther monthly deductions₹
- editChoose tax regime
Your inputs
Results update as you type.
Estimated monthly in-hand
Annual deductions₹2,31,026
New regime estimate. HRA exemption is considered only for the old regime; use your payslip and a tax professional for filing decisions.
For information only; not financial, investment, tax, legal or credit advice.
KNOWLEDGE BANK · FINANCE CALCULATOR INDIA BY PAISASYNC
Understand the number before you act on it.
Use your salary structure to estimate monthly in-hand income. You can model fixed and variable pay, basic salary, HRA, deductions and the old or new tax regime.
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How the estimate works
The calculator starts with fixed and variable CTC, estimates PF and gratuity from the basic-salary share, then applies the selected tax-regime assumptions and other deductions.
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How to use it well
Match the fields to your latest offer letter or payslip. Treat HRA and tax treatment as estimates until you verify eligible exemptions and declarations.
Frequently asked questions
What is in-hand salary?add
In-hand salary is the amount estimated to reach your bank account after applicable employee deductions and estimated income tax.
Why is CTC different from in-hand salary?add
CTC can include employer contributions, gratuity and benefits that are not paid as monthly take-home cash.
Which tax regime should I choose?add
The right regime depends on your income and eligible deductions. This calculator lets you compare an estimate, but it is not tax advice.
For information only; not financial, investment, tax, legal or credit advice.