Convert your India CTC into a monthly take-home salary - including PF, professional tax and income tax, locally in your browser.
No. Everything runs in your browser - your file never leaves your device. How this is verifiable
CTC (Cost to Company) is the total cost an employer budgets for you - it is noticeably higher than the salary that actually lands in your bank account. Certain shares are deducted from the CTC before it ever becomes cash: the employer's Employees' Provident Fund (EPF) contribution (12 percent of Basic) and the provision set aside for your future gratuity (about 4.81 percent of Basic). From the remaining, actually payable gross salary, your own EPF contribution, the (state-level) professional tax and income tax are then deducted - what's left is your in-hand salary.
The calculation runs entirely locally in your browser, with no upload. Enter your annual CTC, the Basic share (usually 40 percent), the HRA share of Basic (50 percent is the common metro convention, 40 percent for non-metros), your state's annual professional tax and your preferred tax regime. The calculator derives Basic, HRA, the remaining special-allowance share, employer and employee PF, and the gratuity provision, computes income tax under the chosen regime, and shows your in-hand salary both annually and monthly.
An honest note: the exact CTC breakdown (Basic, HRA and allowance shares) is set by each employer individually - this is a common but simplified model, not a copy of your actual payslip. Not modelled: additional 80C/80D deductions beyond the EPF contribution, variable components like bonuses, or state-specific professional-tax rules beyond the flat annual figure you enter. Not tax advice.
| Input formats | Form inputs (no file) |
|---|---|
| Processing | Locally in your browser (JavaScript) |
| File upload | None |
Limitations: A model-based estimate of in-hand salary from a simplified CTC-breakdown model (Basic/HRA/special allowance, employer and employee PF, gratuity provision) plus income tax under the chosen regime. Not modelled: additional 80C/80D deductions beyond the PF contribution, bonuses/variable pay, state-specific professional-tax rules. Not tax advice.
Because CTC also includes shares that never become cash for you - mainly the employer's EPF contribution and the gratuity provision - plus your own PF contribution, professional tax and income tax.
40 percent of CTC is the most common convention; some employers set a higher or lower share. Check your actual offer letter if you know it.
No. Professional tax is set by each state individually and varies significantly - some states charge none. Enter the annual amount that applies in your own state.
No. The calculation runs entirely locally in your browser; nothing is sent or stored.
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