Salary Calculator
Convert your CTC to monthly in-hand salary, with a full breakdown of PF, professional tax, and income tax.
CTC breakdown
Take-home salary
₹90,200/month
Basic salary
₹4,80,000
Gross salary
₹11,42,400
Employee PF
₹57,600
Employer PF
₹57,600
Income tax
₹0
Annual in-hand
₹10,82,400
A simplified model: CTC = Gross salary + Employer PF; in-hand = Gross salary − Employee PF − professional tax − income tax. Actual payslips vary by employer (gratuity, insurance, bonus structuring differ) — use this as a directional estimate.
How this is calculated
Gross salary = CTC − Employer PF. In-hand = Gross salary − Employee PF − professional tax − income tax (computed on gross salary under your chosen regime).
Pricing is verified against provider pricing pages as of 2026-09-01. AI and cloud pricing changes frequently — confirm the current rate on the provider's own pricing page before budgeting.
Frequently asked questions
Why is my in-hand salary lower than my CTC divided by 12?
CTC includes employer PF contribution, which never reaches your bank account — and your gross salary is further reduced by your own PF contribution, professional tax, and income tax before you see your take-home pay.
What is Employer PF, and why does it reduce my gross salary?
Employer PF is a retirement contribution your company makes on your behalf, calculated as a percentage of basic pay — it's part of your CTC (Cost to Company) but isn't part of your gross salary, since it goes straight into your PF account, not your paycheck.
Why does basic salary percentage matter?
A higher basic percentage increases your PF contribution (both yours and your employer's) and often your HRA, which changes your take-home pay and tax exemptions — companies structure this differently, so check your actual offer letter for the real breakdown.
Is this an exact calculation of my payslip?
No — this is a simplified model. Real payslips vary by employer (gratuity, insurance premiums, meal allowances, and bonus structuring all differ), so treat this as a directional estimate rather than your exact take-home figure.