Salary / CTC to In-Hand Calculator

Q: Is the Salary / CTC to in-hand calculator free on DigiWebSpot?

Yes. DigiWebSpot’s CTC calculator is free to use in your browser with no account required.

Q: How is take-home calculated?

Cash earnings minus employee PF, ESI (if eligible), professional tax, estimated TDS and other employee deductions. Employer PF, ESI, gratuity and benefits are part of CTC and are not deducted again from take-home. Income tax uses the DigiWebSpot Tax Year 2026–27 engine.

Q: Does this include the September 2026 EPF wage-ceiling revision?

Yes. The EPF statutory wage ceiling defaults to ₹15,000 before 17 September 2026 and ₹25,000 from that date, based on your selected payroll month. You can also disable the ceiling for unrestricted PF wages.

Q: Are professional tax and ESI exact for every employer?

No. State professional-tax tables and ESI eligibility can vary by establishment. The tool uses simplified configurable defaults for planning estimates.

Q: Do my salary details leave my device?

No. All CTC, payroll and tax estimates run entirely in your browser. Inputs are not uploaded or stored on our servers.

On your device

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Salary / CTC to in-hand calculatorConvert CTC to monthly in-hand salary with PF, ESI, professional tax, gratuity and old vs new tax regime TDS. Compare offers, model hikes and export a payslip preview. Free and private.

All-India take-home estimator with state/UT professional tax, EPF (₹25,000 ceiling from 17 Sep 2026), ESI, gratuity provision, employer NPS and FY 2026–27 old/new regime TDS via the DigiWebSpot income-tax engine. Compare up to three offers.

Payroll inputs stay in your browser — nothing is uploaded.

Old vs new regime take-home

Old regime monthly

₹83,755.86

New regime monthly

₹92,145.36

Lower tax estimate: new regime (selected for take-home: new).

Monthly payslip preview

Line	Amount
Basic	₹38,138.14
HRA	₹19,069.07
Special allowance	₹38,138.14
− Employee PF	₹3,000.00
− Professional tax	₹200.00
Net pay	₹92,145.36

Detailed CTC breakdown

Component	Type	Annual
Basic	fixed_cash	₹4,57,657.73
HRA	fixed_cash	₹2,28,828.87
Special allowance	fixed_cash	₹4,57,657.72
Employer PF	deferred	₹36,000.00
EPS (employer share)	deferred	₹24,990.00
Gratuity provision	deferred	₹22,013.34
Employee PF	deduction	₹36,000.00
Professional tax	deduction	₹2,400.00

Salary hike calculator

Hike (10%)

New CTC₹13,20,000.00

New monthly take-home₹1,01,979.90

Compare up to three job offers

Offers B and C reuse Offer A's regime, state, PF/ESI and deduction assumptions — only CTC changes.

Offer B annual CTC₹

Include Offer C

Offer	CTC	Monthly in-hand	First-year cash	Take-home %
Offer B	₹15,00,000.00	₹1,09,397.37	₹13,12,768.44	87.52%
Offer A (current)	₹12,00,000.00	₹92,145.36	₹11,05,744.32	92.15%

Assumptions

Income tax uses DigiWebSpot Tax Year 2026–27 engine (Income-tax Act, 2025).
EPF statutory wage ceiling ₹25,000 applies from 2026-09-17 (S.O. 5109(E)). Full-month estimate for 2026-10.
Existing EPF member — contributions continue (membership not inferred from salary).
Establishment not marked as ESI-covered — wage eligibility alone is insufficient.
Common employer practice ≈ ₹200/month for mid/high salaries.
Source: State/UT PT statutes & employer payroll practice (planning default)
Payment of Gratuity Act eligibility (typically 5 years) is separate from CTC provision.
Employer CTC provision at 4.81% of basic — not deducted from take-home.
Projected TDS is annual tax ÷ 12 and may differ from employer payroll TDS.
Results are planning estimates — not a payslip, Form 16, EPFO/ESI filing or investment advice.
Statutory profile: salary-statutory-2026.1 (verified 2026-11-10).

HelpFrequently asked questionsQuick answers about this DigiWebSpot tool.

Is the Salary / CTC to in-hand calculator free on DigiWebSpot?

How is take-home calculated?

Does this include the September 2026 EPF wage-ceiling revision?

Are professional tax and ESI exact for every employer?

Do my salary details leave my device?

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