About this calculator
CTC (Cost to Company) includes basic, HRA, allowances and employer contributions. In-hand salary is what you receive after employee PF and tax deductions.
How to use this calculator
Enter annual CTC and basic salary percentage. We estimate PF and a simplified tax deduction for take-home pay.
Frequently asked questions
Why is in-hand much less than CTC?
CTC includes employer PF, gratuity provisions, insurance and other benefits you don't receive as cash. Employee PF and tax further reduce take-home.
Are these calculators free to use?
Yes. All calculators are free, require no signup, and run entirely in your browser.
Results are estimates for planning purposes only — not investment, tax or legal advice. Verify rates on official sources before acting. Compare brokers on our best stock brokers guide or use the brokerage calculator.