In-Hand Salary Calculator
Convert your annual CTC into monthly take-home salary after PF and tax.
Visual breakdown
Detailed breakdown
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What is the In-Hand Salary Calculator?
Your CTC (Cost to Company) is not what lands in your bank account. Employer PF, gratuity and insurance are part of CTC but not paid monthly, and PF, professional tax and income tax are deducted. This calculator estimates your monthly in-hand salary.
How to use this calculator
- Enter your values in the input fields. Use the sliders where available for quick changes.
- Choose the options that fit your case - currency, number format and decimals can be changed in the Options bar.
- The result updates instantly as you type. Press Calculate to refresh.
- Review the summary, the chart and the detailed table (when shown).
- Use Export & share to download a snapshot image (PNG or JPG), copy the result, print, save a CSV, or copy a link that reopens your inputs.
Formula and method
In-hand (yearly) = Gross - employee PF - professional tax - income tax - other deductions
Monthly in-hand = yearly / 12
Worked example
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Options you get
- Currency symbol and Indian or international digit grouping
- Decimal places control
- Instant results with charts and tables (where relevant)
- Snapshot image export (PNG / JPG), copy image, CSV, print and share link
- Light and dark themes - works on mobile, tablet and desktop
Frequently asked questions
Why is in-hand lower than CTC / 12?
Because employer PF, gratuity, insurance, employee PF, professional tax and income tax are not paid out as monthly cash.
Which tax regime is used?
The new regime for FY 2025-26 with the standard deduction. Use the Income Tax Calculator to compare regimes.
Is this calculator free to use?
Yes. All MCSBiz calculators are free, work in your browser and need no sign-up.
Is my data stored or sent to a server?
No. Calculations run on your own device. Your inputs are not uploaded, and nothing is saved unless you choose to share a link or export an image.
Can I save or share my result?
Yes. Use "Download PNG" or "Download JPG" to export a snapshot image, copy the result, print it, download a CSV, or copy a link that reopens the calculator with your inputs.
Important note
Salary and statutory calculations follow the rules and rates stated on the page and may differ from your employer's payroll. Please confirm with your HR or a qualified professional.