Paisa Stack ← All calculators
Home / Calculators / Salary

Salary / CTC to In-Hand Calculator

Your CTC and your actual take-home are two very different numbers. See what you'll really get every month.

Salary / in-hand calculator
Annual CTC₹12,00,000
Basic salary (% of CTC)40%
Other annual deductions (80C etc.)₹0
Monthly in-hand
₹0
estimated take-home, after PF and TDS.
Monthly gross (approx.)₹0
Employee PF (12% of basic)₹0
Estimated monthly TDS₹0
Net monthly in-hand₹0
Assumes new tax regime, a flat ₹200/month professional tax, and employer PF/gratuity carved out of CTC — actual payslip structures vary by company.

How this works

This estimates your monthly in-hand salary from your CTC, accounting for basic salary structure, employee PF contribution, professional tax, and an estimated TDS under the new tax regime — the assumptions most offer letters don't spell out clearly.

Want a straight answer on your specific numbers?

Book a 40-minute call with a Chartered Accountant for ₹500.

Book a Finance Expert →