Find out what your CTC actually means.
Enter your annual CTC and get an estimated monthly take-home — with every assumption shown, not hidden.
Why your take-home is less than your CTC
What's the difference between CTC and in-hand salary?
CTC (Cost to Company) is what your employer spends on you in total — including your salary and their own contributions like employer PF. In-hand salary is what actually lands in your bank account each month, after your own PF contribution, professional tax, and income tax are deducted.
Why does this only give a range, not an exact number?
Your exact take-home depends on your employer's specific salary structure (basic %, HRA, allowances), which we don't have access to. This calculator uses common, clearly-stated assumptions — check the "Assumptions used" note under every result.
Is this tax advice?
No. This is a planning estimate based on published income-tax rules, not professional tax advice. See our disclaimer.