Free planning tool
CTC to In-Hand Salary Calculator
Enter your own annual deduction figures to create a transparent payroll estimate. Tax, PF and professional-tax treatment can vary, so confirm the final payslip with payroll or a qualified adviser.
Enter your planning assumptions
No personal, medical or sensitive employee information is needed.
Enter the annual CTC shown by the employer.
INR
Enter known employee PF, professional tax and other annual deductions.
INR
Enter an amount only if you have reviewed it separately.
INR
Planning result
Estimated monthly take-home
₹85,000
Based on annual CTC ₹12,00,000 minus the entered annual deductions and tax.
Need a tailored insurance discussion?
Use the result as a starting brief, then confirm final policy terms and suitability with ClearCover and the relevant insurer.
View all planning toolsFrequently asked questions
Frequently asked questions
Is this an official payroll calculation?
No. It is a planning estimate based on the values entered. Payroll policies, statutory deductions and tax choices determine the final payslip.
Why enter deductions separately?
Employer CTC composition differs by company. Entering known annual deductions avoids presenting a generic tax or PF assumption as a final result.