In-hand salary calculator
Turn a CTC offer into the amount that actually reaches your bank account each month.
Common questions
Why is my in-hand salary so much lower than my CTC?
CTC includes money you do not get every month: your employer's PF contribution, gratuity, and any variable pay or bonus. Your own PF, professional tax and income tax are then taken out of what is left.
Is 50% basic salary right?
Under the new labour codes, wages (mainly basic pay and DA) generally have to be at least half of total pay, so many companies now set basic at 50% of CTC. Use the figure in your offer letter if it is different.
How much tax is deducted each month?
Your employer estimates the year's tax and spreads it across the months, which is what this calculator shows. The actual monthly TDS can change if you declare investments or switch regimes during the year.
Which states charge professional tax?
Most large states do, including Maharashtra, Karnataka, West Bengal, Tamil Nadu, Telangana, Andhra Pradesh and Gujarat, usually up to ₹2,500 a year. Delhi, Haryana, Uttar Pradesh and Rajasthan do not. Set it to 0 if your state does not charge it.