Salary Calculator
Turn your annual CTC into a clear monthly and yearly salary overview, including PF and take-home pay.
Formula last reviewed 4 August 2026 · How we verify our calculators
Annual in-hand
- Monthly in-hand
- ₹1,09,800
- Monthly gross
- ₹1,17,500
- Monthly basic
- ₹62,500
- Monthly HRA
- ₹31,250
Updates live as you type
Frequently asked questions
It gives a quick overview of your pay in both annual and monthly terms — your gross, basic, HRA and final in-hand salary — starting from a single CTC figure.
CTC is the employer’s total cost and includes its PF contribution. Your annual salary in-hand is what remains after PF and taxes, summed across twelve months.
Yes. Enter the offered CTC and the employer’s basic and HRA split to see the monthly cash and yearly take-home before you accept.
Variable pay and one-time bonuses are not spread evenly, so they are excluded here. Add only your fixed CTC for an accurate month-by-month picture.
One CTC figure, both the yearly and the monthly answer
A ₹15,00,000 annual CTC, split at 50% basic and 50% HRA of basic, resolves to a monthly basic of ₹62,500 and HRA of ₹31,250. Employer and employee PF each come to ₹7,500 a month, which brings monthly gross to ₹1,17,500 and — with no income tax entered — monthly in-hand to ₹1,09,800. Annualised, that's ₹13,17,600, roughly 88% of the original CTC figure quoted in the offer.
Why two numbers instead of one
The annual in-hand figure is the headline here deliberately: it's the number that matters for savings goals, a large purchase, or comparing offers on equal footing. The monthly figures underneath — in-hand, gross, basic, HRA — are the ones that actually govern day-to-day decisions: what rent or EMI you can realistically commit to, what fits your monthly budget. Most salary questions genuinely need both views, which is why this calculator surfaces them side by side rather than picking one.
The split that decides how your CTC gets divided
Basic percentage is the lever that matters most, because PF, HRA and often gratuity are all calculated as a share of basic rather than of the full CTC — change that one input and several other figures move with it. A higher basic pushes more into PF, building retirement savings at the cost of smaller immediate take-home; a lower basic does the reverse. Employers vary considerably in how they set this ratio, so testing a few different splits here is a genuine way to understand how a specific offer is actually structured, not just what its headline CTC claims. Salary components differ by employer, so treat this as a close planning estimate rather than an exact payslip match — for a deeper look at professional tax, TDS and the PF wage ceiling specifically, pair this with the CTC and in-hand salary calculators.