By Team Edtoolkits · Finance & accounting
Turn an annual CTC into monthly in-hand salary: basic, HRA, PF, gratuity, ESI, professional tax and income tax under the new or old regime.
Use the guide alongside the working tool.
Open CTC to In-Hand Salary Calculator →Pick the exam and document
Enter your annual CTC and any variable pay or bonus included in it.
Frame and clean up
Set the salary structure from your offer: basic as a percentage of CTC, HRA (50% of basic in metro cities, 40% elsewhere), how PF is calculated, whether gratuity is inside CTC, your tax regime and professional tax.
Create and check
See your monthly in-hand pay with each deduction, the employer-side parts of CTC that you do not receive monthly, and a comparison with the other tax regime. Copy the breakdown to compare offers.
Privacy and limits
An estimate for FY 2026-27 using common Indian salary rules: employer and employee PF at 12% (capped at ₹15,000 basic unless you choose full basic), gratuity at 4.81% of basic, ESI when monthly gross is up to ₹21,000, and income tax from the same engine as the Income Tax Calculator (old regime counts only PF and other 80C here). Companies structure salaries differently and may include insurance, meal cards or NPS, so check your salary annexure. Not financial or tax advice.
Ready to apply this workflow?
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Keep your original files and review the result. Found unclear instructions? Contact Team Edtoolkits.