Salary In-Hand Calculator
Salary In-Hand Calculator: free, instant and private. The gap between CTC and in-hand comes from PF, gratuity, insurance and the variable part that is not guaranteed.
How the Salary In-Hand Calculator works
The Salary In-Hand Calculator takes Annual CTC, Variable/bonus (%), PF (%) and returns the answer instantly — no button to hunt for, no page reload. The gap between CTC and in-hand comes from PF, gratuity, insurance and the variable part that is not guaranteed. Under the new regime, professional tax and income tax also come out of the monthly figure.
Enter your own numbers to replace the example values; the result panel updates as you type. Everything runs in this single page, so nothing you enter leaves your device.
Formula used
in-hand = CTC − variable pay − PF (and other deductions)
| Symbol | Meaning |
|---|---|
| CTC | annual cost to company |
| variable % | performance or bonus component |
| PF % | provident fund contribution |
The gap between CTC and in-hand comes from PF, gratuity, insurance and the variable part that is not guaranteed. Under the new regime, professional tax and income tax also come out of the monthly figure.
Inputs used: Annual CTC, Variable/bonus (%), PF (%).
Worked example
Take the default example — annual ctc of 1200000, variable/bonus (%) of 10, pf (%) of 12:
- Monthly in-hand: 79,200
- Yearly in-hand: 950,400
- Bonus + PF (yearly): 249,600
Frequently asked questions
- What formula does the Salary In-Hand Calculator use?
- It uses in-hand = CTC − variable pay − PF (and other deductions), where CTC is the annual cost to company; variable % is the performance or bonus component; PF % is the provident fund contribution.
- Is the Salary In-Hand Calculator free?
- Yes. There is no signup, no usage limit and no watermark — the calculator runs entirely in your browser.
- How do I read the result?
- The gap between CTC and in-hand comes from PF, gratuity, insurance and the variable part that is not guaranteed. Under the new regime, professional tax and income tax also come out of the monthly figure.
- Does the Salary In-Hand Calculator store or send my data?
- No. Every calculation happens locally in the page, so the numbers you type are never uploaded or logged.
- Does it work on a phone and offline?
- Yes — the page is a single lightweight file that adapts to any screen size. Once it has loaded it keeps working without a network connection.