Why is in-hand salary lower than CTC?

CTC includes employer PF and gratuity, which are not paid monthly, and your salary is further reduced by employee PF, professional tax and income tax (TDS).

How is PF calculated?

Employer and employee each contribute 12% of basic salary. Many employers cap it at 12% of the ₹15,000 statutory wage ceiling (₹1,800 a month); others contribute on the full basic.

What is gratuity in CTC?

Many companies include a gratuity provision of about 4.81% of basic (15 days' wages per year of service) in CTC. It is paid only when you leave after completing the eligible service period.

Which tax rules are used?

Income tax uses the FY 2025-26 slabs from Budget 2025, the same engine as our Income Tax Calculator. In the old regime, employee PF counts towards 80C and HRA exemption is calculated from your rent.

How do I use Salary Calculator online for free?

Using Salary Calculator is simple: 1) Go to the Salary Calculator — CTC to In-Hand tool on MyToolsHub — free, no login required. 2) Paste or type your data into the input area. The tool works entirely in your browser. 3) Configure any available options to get the exact output you need. 4) Your output appears in real time. Copy it to clipboard or download the result. No registration or software installation is needed.

Is Salary Calculator free to use?

Yes, Salary Calculator — CTC to In-Hand is 100% free with no hidden costs, no subscription, and no sign-up required. All features are available to every user at no charge.

Is my data safe when using Salary Calculator?

Absolutely. Salary Calculator — CTC to In-Hand processes all data directly in your browser. Your files and text never leave your device or get sent to any server. Your privacy is fully protected.

What is the best ctc to in hand salary calculator tool online?

MyToolsHub's Salary Calculator — CTC to In-Hand is one of the best free ctc to in hand salary calculator tools available online. It requires no installation, works on all devices, and delivers instant results without any sign-up.

Can I use take home salary calculator india without registration?

Yes. You can use Salary Calculator — and all 100+ tools on MyToolsHub — completely without creating an account. Just open the tool and start working immediately.

Do I need to install anything to use monthly salary calculator?

No installation is required. Salary Calculator — CTC to In-Hand is a web-based tool that runs directly in your browser on any device — Windows, Mac, Linux, Android, or iOS.

Salary Calculator — CTC to In-Hand

Convert your annual CTC into monthly in-hand salary. See basic, HRA, special allowance, employee & employer PF, gratuity, professional tax and income tax (new or old regime, FY 2025-26) in a clear monthly and annual breakdown.