CTC to In-Hand Salary Calculator
Estimate your annual tax, deductions and monthly take-home salary from a CTC or salary breakup.
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Get a plain-English explanation of the calculated salary breakup.
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Use the calculator for each offer and compare fixed pay, variable pay, deductions and estimated take-home before deciding.
What is CTC to In-Hand Salary?
CTC is the total annual cost a company budgets for an employee. It can include cash salary, employer provident fund, gratuity and variable pay. In-hand salary is the amount estimated to reach the employee after applicable tax, employee PF and other deductions.
Why use this calculator?
- Estimate take-home salary before joining a new company.
- Understand why CTC and monthly bank credit are different.
- Compare job offers using the same assumptions.
- See estimated tax and deduction impact.
Important: Results are estimates. Payroll structure, tax declarations, exemptions, deductions, state rules and employer policies can change actual take-home pay.
CTC vs Gross Salary vs In-Hand Salary
CTC: Employer's overall annual cost. Gross cash: Salary components paid as cash before employee deductions. In-hand: Estimated amount remaining after employee PF, professional tax, income tax and other deductions.
Frequently Asked Questions
Is CTC the same as in-hand salary?
No. CTC may include employer contributions and benefits that are not paid directly as monthly cash.
Can I use this before getting a salary slip?
Yes. That is one of the main use cases: estimating take-home from a new job offer or proposed salary structure.
Is the result exact?
No. It is an estimate based on the values you enter and the selected tax regime.