Calculate your in-hand salary after Indian tax deductions — PF, professional tax, income tax. Includes CTC breakdown.
Looking for a reliable salary calculator online to figure out your actual take-home pay? This tool instantly converts your annual CTC into monthly, weekly, daily, and even hourly earnings after deducting Indian income tax, PF, and professional tax. Simply enter your CTC, and the calculator shows your exact in-hand salary after all mandatory deductions.
Using this salary calculator online is straightforward and takes less than 30 seconds.
Type your total yearly salary (e.g., 600000) in the ₹ field. This is your cost to company before any deductions.
The default is 40% of basic. Modify this if your company offers a different HRA structure.
Choose "Employee PF (12% basic)" for standard deduction or "No PF / EPF Exempt" if applicable.
Monthly PT defaults to ₹200. Adjust between ₹0–2500 based on your state.
Press the purple "Calculate" button. The tool instantly shows your monthly in-hand salary in large text at the top of the result panel.
Below the monthly figure, check annual deductions (PF, tax, PT) and your net annual take-home. The bottom grid reveals weekly, daily, and hourly pay.
| Feature | What It Does |
|---|---|
| Annual CTC Input | Enter your total cost to company per year |
| HRA Percentage | Set HRA as % of basic (default 40%) |
| PF Option Toggle | Choose employee PF (12% of basic) or no PF |
| Professional Tax | Monthly PT deduction (default ₹200) |
| Income Tax Engine | Applies Indian slabs with 4% cess |
| In-Hand Display | Shows monthly take-home salary prominently |
| Annual Breakdown | CTC, Basic+HRA, PF, Tax, PT, Net Annual |
| Frequency Converter | Monthly, weekly, daily & hourly pay |
Check your offer letter – Basic salary is typically 40–50% of CTC. This tool assumes 50% basic. Adjust HRA accordingly.
New vs Old Tax Regime – This calculator follows the new default regime structure (rebate up to ₹7L). For old regime with deductions (80C, HRA actuals), results may vary.
Professional Tax varies by state – West Bengal caps at ₹200/month, Maharashtra at ₹2500/month, Karnataka at ₹200/month. Set your state’s correct PT amount.
PF on basic + dearness allowance – This tool calculates 12% on basic only. Some companies include DA – adjust by increasing basic percentage if needed.
Use for freelance too – Enter your annual freelance income as CTC, set PF to “No PF”, and PT to 0. The income tax calculator portion still works accurately.
Unlike generic tools, this salary calculator online uses proper Indian income tax slabs (₹3L–₹15L+) with 4% cess, matching real government calculations.
Want to know your hourly rate for freelancing or overtime? This tool converts annual net pay to monthly (÷12), weekly (÷52), daily (÷260), and hourly (÷2080) instantly.
See exactly where your money goes: PF deductions appear in red, income tax in red, professional tax in red. Your net pay stands out in purple.
The "Reset" button clears all fields and results with a single tap, letting you run multiple scenarios for different job offers.
What makes this take-home pay calculator different is the dynamic visual breakdown panel. As you adjust any input – CTC, HRA, PF, or professional tax – the results update instantly. The colored rows (green for income, red for deductions, purple for net) create a clear financial story. The “Basic + HRA” row combines both figures, while the PF and tax rows show negative amounts with a minus sign. This visual approach helps you understand how to calculate in-hand salary from CTC without needing accounting knowledge. Whether you are comparing two job offers or planning a salary hike negotiation, this tool gives you the exact numbers in seconds.
Subtract PF, professional tax, and income tax from your annual CTC, then divide by 12 for monthly in-hand pay.
CTC includes employer contributions (PF, bonus, insurance), while in-hand salary is what you actually receive after all employee deductions.
It follows the default new regime slab structure. For old regime, results are approximate due to missing Section 80C and HRA exemption logic.
Yes, the frequency row shows hourly pay based on 2080 working hours per year (40 hours × 52 weeks).
PF is mandatory for basic salary up to ₹15,000 per month. Higher salaries may opt out if employer allows.
It is a state-level tax on salaried individuals, typically ₹200–2500 per month, deducted by the employer.
Toolota is your all-in-one online tools platform. Fast, simple, and free utilities designed to make everyday digital tasks easier and smarter.
