CTC (Cost to Company) is not what lands in your bank account. This calculator breaks your annual CTC down into PF, professional tax and estimated income tax to show your realistic monthly in-hand salary.
How to use the CTC to In-Hand Salary Calculator
- Enter your annual CTC as shown in your offer letter.
- Adjust the basic salary percentage if you know your exact structure.
- Choose Old or New tax regime.
- Read your estimated monthly in-hand salary and the deduction breakdown.
Why use FreeToolsNets's CTC to In-Hand Salary Calculator?
- 100% free, with no usage limits and no account required.
- Everything runs locally in your browser — nothing you type is uploaded or stored on a server.
- Works on desktop, tablet and mobile in any modern browser.
- No installation, no plugins, and no ads blocking the tool itself.
Frequently asked questions
Why is my in-hand different from what I actually receive?
Every employer structures CTC differently — this gives a close estimate, not your exact payslip figure.
Does this account for HRA exemption?
Not directly under the New Regime (which doesn't allow it); for Old Regime, factor HRA in separately using a dedicated tax calculator.
Is this tool free to use?
Yes, completely free on FreeToolsNets, with no sign-up and no limits.
Is my data sent to a server?
No. Everything runs locally in your browser using JavaScript — nothing you enter is uploaded anywhere.
Does it work on mobile?
Yes, the widget is fully responsive and works on phones, tablets and desktops.