CTC to In-Hand
In-hand salary calculator from CTC
Estimate monthly take-home salary by separating CTC, employer benefits, employee deductions, tax, and non-monthly bonus components.
Calculator
What will be credited monthly?
Formula
CTC is not monthly bank credit
CTC includes employer-side benefits and non-cash components. In-hand salary is what remains after deductions from gross salary.
In-hand salary = Gross salary - Employee deductions - TDS
FAQ
Why is CTC higher than in-hand salary?
CTC can include employer PF, gratuity provision, insurance, variable pay, and other benefits that are not paid monthly.
Is tax calculated automatically?
This calculator lets you enter monthly TDS directly to keep the estimate simple and transparent.