How do I estimate in-hand salary from CTC?

Use the CTC to in-hand calculator. It deducts illustrative PF and tax under the assumptions shown. Adjust professional tax and other components to match your offer letter.

Does the gratuity calculator apply to every employer?

Only when the Payment of Gratuity Act (or your contract) applies and you meet eligibility. The tool estimates the formula amount; confirm with HR.

Where is retirement planning?

Use the retirement corpus calculator for a high-level savings target, and pair it with SIP or EPF tools depending on how you invest.

CalcMantra · India

Salary & Retirement Calculators for India

Free CTC to in-hand, salary hike, gratuity, EPF, HRA, leave encashment, and retirement corpus calculators for salaried employees in India.

Open these CalcMantra salary tools to estimate take-home pay from CTC, model a hike, check HRA exemption, and project gratuity, EPF, or retirement corpus with transparent assumptions.

Tax treatment follows the regime and FY notes on each page. Employer policies still win for PF, gratuity eligibility, and leave encashment — use the results as a second check, not payroll.

CTC to in-hand Gratuity EPF Retirement corpus

Gratuity CalculatorCalculate statutory gratuity under the Payment of Gratuity Act.Open calculator →EPF CalculatorProject EPF corpus from employee and employer contributions.Open calculator →HRA Exemption CalculatorFind tax-exempt HRA under the old regime for metro and non-metro cities.Open calculator →CTC to In-Hand Salary CalculatorFree CTC to in-hand salary calculator for India — estimate monthly take-home with new-regime tax, PF, and professional tax.Open calculator →Salary Hike CalculatorConvert a hike percentage into new CTC and the extra rupees per month.Open calculator →Leave Encashment CalculatorEstimate leave encashment as (basic + DA) / 30 × unused days. Tax exemption is not auto-applied.Open calculator →Retirement Corpus CalculatorInflate today’s monthly expenses to retirement, then divide by a withdrawal rate to size a corpus. Not a pension quote.Open calculator →

Salary & retirement FAQs

How do I estimate in-hand salary from CTC?: Use the CTC to in-hand calculator. It deducts illustrative PF and tax under the assumptions shown. Adjust professional tax and other components to match your offer letter.
Does the gratuity calculator apply to every employer?: Only when the Payment of Gratuity Act (or your contract) applies and you meet eligibility. The tool estimates the formula amount; confirm with HR.
Where is retirement planning?: Use the retirement corpus calculator for a high-level savings target, and pair it with SIP or EPF tools depending on how you invest.

Looking for scenario answers with tables? See popular finance questions or the calculator guides.