Salary In-Hand Calculator
Convert your CTC into actual monthly take-home pay after PF, tax and deductions.
An estimate based on a common salary structure. Your actual payslip depends on how your employer designs the components.
About the Salary In-Hand Calculator
The number on your offer letter (CTC) is almost never the number that lands in your bank account. The AlarmDaddy Salary In-Hand Calculator bridges that gap — it breaks your Cost to Company down into basic, HRA, allowances, employer and employee provident fund, professional tax, and income tax, then shows your real monthly take-home.
Enter your annual CTC and, optionally, adjust the basic-salary percentage and choose your tax regime. The calculator estimates the standard components, deducts the employee PF (12% of basic), professional tax, and income tax, and shows your monthly in-hand. This is the calculator every job-switcher runs the moment an offer arrives, and the one every fresher wishes they had before their first payslip surprised them.
The breakdown is an estimate based on common Indian salary structures — your actual payslip depends on how your employer designs the components.
How to use this calculator
- 1Enter your annual CTC.
- 2Adjust the basic-salary percentage if you know it (40% to 50% is typical).
- 3Choose your tax regime (old or new).
- 4Read your estimated monthly in-hand salary and the full component breakdown.
The formula
CTC includes employer contributions (employer PF, gratuity) that never reach you. From the gross salary, the employee PF (12% of basic), professional tax (state-dependent, max ₹2,500/year), and income tax are deducted to arrive at the monthly take-home.