India · Salary & Tax

CTC to In-Hand Salary Calculator India

Estimate monthly in-hand salary from annual CTC using editable employer benefits and payroll deductions.

AY 2026-27 where applicableIndian rupeesRules & assumptions ↓

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Enter your values and calculate to see the result.

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How this calculator works

CTC structures differ by employer. Enter employer-side PF, gratuity provision, insurance or other non-cash components included in CTC as one editable amount.

Official-rule note

Income-tax assumptions are aligned to Income Tax Department guidance for AY 2026-27. Employment contribution estimates should be checked against EPFO or the relevant payroll authority before making compliance decisions.

Browse India salary and tax calculators.

How to use this calculator

  1. Set Annual CTC (default 1500000).
  2. Set Employer-side benefits/contributions included in CTC (default 100000).
  3. Set Employee EPF and other annual payroll deductions (default 30000).
  4. Select Calculate to update the result. Reset restores the starting values.

Planning estimate only. Tax, payroll and employment rules can depend on facts not captured here.

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