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Salary Calculator
Convert CTC to in-hand salary (India) or gross to net pay (global), with a full breakdown of deductions — monthly, annual, or per pay period.
Understanding Salary Structure
CTC vs In-Hand
CTC (Cost to Company) includes employer PF, allowances and benefits — your in-hand pay is what's left after employee-side deductions.
Gross vs Net Pay
Gross pay is your salary before any deductions; net pay is what actually lands in your bank account after tax and other withholdings.
Provident Fund
Both employer and employee typically contribute a percentage of basic salary to a retirement fund — this reduces take-home pay but builds long-term savings.
Estimates Only
Actual take-home pay depends on your specific tax slab, exemptions, and company policy — use this as a quick planning estimate, not a final figure.
How to Use the EMI / Loan Calculator
Pick Your Mode
Use "CTC In-Hand" for the India-style breakdown, or "Gross Net Pay" for a simpler global salary calculation.
Enter Your Salary
Type your annual CTC or gross pay — the tool assumes standard structures (50% basic) that you can adjust.
Adjust Deductions
Fine-tune PF percentage, professional tax, or your effective deduction rate to match your actual pay slip.
See Monthly & Annual Figures
Get both annual and monthly in-hand / net pay instantly, with a full line-item breakdown.
Frequently Asked
Questions
1. What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total amount a company spends on an employee annually, including employer PF contributions, allowances, and benefits. In-hand salary is the amount actually credited to your bank account after employee-side deductions like PF, professional tax, and other withholdings.
2. Why is my in-hand salary lower than my CTC?
CTC includes components that never reach your bank account directly, such as the employer’s PF contribution and other benefits. Your in-hand salary only reflects what remains after these employer-side and employee-side deductions are removed.
3. How accurate is this calculator?
This tool provides a quick estimate using commonly assumed structures (like a 50% basic-to-CTC ratio and standard PF rates). Actual figures depend on your employer’s specific salary structure, applicable tax slab, and exemptions, so treat this as a planning estimate rather than an exact payslip.
4. What should I use for "Effective Deduction %" in Gross > Net mode?
This should reflect your combined tax and withholding rate — for example, income tax plus social security or national insurance. Check a recent payslip to find your actual effective deduction percentage for the most accurate result.
5. Is my salary data private?
Yes. All calculations run entirely in your browser using JavaScript. Nothing you enter — your CTC, gross pay, or deduction details — is ever sent to any server.
