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Salary Calculator

Salary Calculator

CTC to In-Hand Salary Breakdown — India FY 2025-26

Annual CTC
Quick Presets
₹3 LPA ₹5 LPA ₹8 LPA ₹12 LPA ₹20 LPA ₹50 LPA
Annual CTC
₹1L₹2 Cr
Salary Structure
Basic % of CTC
20%60%
HRA % of Basic
0%100%
DA % of Basic
0%50%
Employer PF % of Basic
0%12%
Professional Tax (Annual)
Other Allowance (Annual)
Bonus / Variable % of CTC
0%20%
Tax Regime
New Regime Old Regime
New regime has lower tax rates but fewer deductions allowed. Old regime allows HRA, 80C, 80D exemptions.
Salary Summary
Monthly In-Hand
--
per month after all deductions
Annual CTC
--
cost to company
Monthly CTC
--
per month
Gross Salary (Annual)
--
before deductions
Total Deductions (Annual)
--
PF + PT + Tax
Estimated Tax (Annual)
--
new regime
CTC to In-Hand Waterfall
Visual Breakdown
Monthly Salary Slip
Particulars Monthly (₹) Annual (₹)
Download Report

What is Salary Calculator?

The Salary Calculator converts your Cost to Company into a detailed in-hand salary breakdown. It splits your CTC into Basic Pay, House Rent Allowance, Provident Fund contribution, Professional Tax, and estimated Income Tax to show your exact monthly take-home pay. You can also download a formatted salary slip as a PDF for personal records or financial documentation.

How to Use Salary Calculator

  1. 1
    Enter your annual CTC (Cost to Company) as stated in your offer letter or pay structure.
  2. 2
    Specify the Basic Pay percentage and any fixed allowances like HRA, conveyance, or special allowance.
  3. 3
    Enter your employer and employee PF contribution rates and Professional Tax applicable in your state.
  4. 4
    Provide investment declarations under 80C, 80D, and HRA to estimate monthly income tax deduction.
  5. 5
    View the complete salary breakup with gross salary, all deductions, and net monthly take-home pay.

Key Features

CTC to in-hand salary conversion with a detailed component-wise breakup.
Covers Basic Pay, HRA, DA, conveyance, special allowance, and other standard salary heads.
PF (both employer and employee), ESI, and Professional Tax deductions computed automatically.
Monthly income tax estimation based on declared investments and applicable regime.
Downloadable salary slip in PDF format suitable for loan applications and financial records.
Comparison mode to evaluate two CTC offers and see which yields higher take-home pay.

Frequently Asked Questions

1. Is Salary Calculator free to use?

Yes, Salary Calculator is 100% free with no registration, no hidden fees, and unlimited calculations. All features including PDF, Excel, and CSV report downloads are completely free.

2. How accurate is Salary Calculator?

Salary Calculator uses standard financial formulas used by banks and financial institutions worldwide. The calculations are mathematically precise. However, actual returns or payments may vary based on your bank's specific terms, fees, and rounding policies.

3. Does Salary Calculator work for countries outside India?

Yes! Salary Calculator supports 42 currencies including USD, EUR, GBP, AED, SAR, CAD, AUD, JPY, and many more. The currency is auto-detected based on your location, and preset values adjust to match your country's market rates and financial products.

4. Can I download the calculation report from Salary Calculator?

Yes. After calculating, you can download the complete report in three formats — PDF (professional branded report), Excel (with multiple sheets for summary and detailed breakup), and CSV (for importing into any spreadsheet). All downloads are generated instantly in your browser.

5. Is my financial data safe with Salary Calculator?

Absolutely. All calculations happen entirely in your browser using JavaScript. No financial data is ever sent to any server. Your amounts, interest rates, and investment details remain completely private on your device.

6. Are the preset interest rates in Salary Calculator accurate?

The preset rates are approximate market averages for each country and product type. They are meant as starting points for quick calculations. Always confirm the actual rate with your bank or financial institution before making any financial decisions.

7. Does Salary Calculator work on mobile devices?

Yes! Salary Calculator is fully responsive with interactive sliders, charts, and tables optimized for smartphones, tablets, and desktops. All download features work on mobile as well.

8. Do I need to install any app to use Salary Calculator?

No installation needed. Salary Calculator is a web-based tool that works directly in any modern browser — Chrome, Firefox, Safari, Edge, or Brave. Just open the page and start calculating instantly.

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