Convert annual CTC to monthly take-home salary under the new tax regime.. CTC to In-Hand Salary Calculator is a free online tool from the ToolsRift Finance & Health Calculators collection. It runs entirely in your browser — nothing to install, no signup, and your data never leaves your device.
Enter your annual CTC and any known components. The calculator estimates deductions under the new regime and shows your monthly in-hand salary.
CTC includes employer contributions like the employer PF share and gratuity that you never receive as cash, plus your own deductions for PF and income tax.
The tool subtracts employer PF, employee PF, professional tax and estimated income tax under the new regime from your CTC to arrive at monthly take-home.
It is a close estimate using new-regime slabs. Actual tax depends on your full salary structure and any special components, so treat it as a guide, not tax advice.