Take-Home Salary Calculator
Turn an annual CTC into a realistic monthly in-hand figure. Set the basic-pay percentage, choose the tax regime, and see the full CTC → gross → take-home breakdown, with employee and employer PF, professional tax and income tax spread over the year.
| Annual CTC | ₹12,00,000 |
| − Employer PF | ₹21,600 |
| Gross salary | ₹11,78,400 |
| − Employee PF | ₹21,600 |
| − Professional tax | ₹2,400 |
| − Income tax (TDS) | ₹0 |
| Annual take-home | ₹11,54,400 |
A close estimate, not your exact payslip. It assumes a simple CTC where the only employer cost outside gross pay is PF (and gratuity if you tick it), employee PF at 12% of basic, and TDS spread evenly over 12 months. Real structures add allowances, NPS, insurance and reimbursements, and professional tax varies by state. Nothing is uploaded.
How to use it
- Enter your annual CTC and the basic-pay percentage from your offer letter (usually 40–50%).
- Tick whether employer PF and gratuity are inside the CTC.
- Pick the new or old tax regime; for old, add your 80C / 80D / HRA deductions.
- Read the monthly in-hand figure and the CTC-to-take-home table.
FAQ
- Why is my actual salary slip different?
- Real CTCs add allowances, reimbursements, insurance premiums and employer NPS, and companies deduct TDS unevenly through the year. This is a close estimate from a simplified structure, not a payslip.
- Is employer PF part of my CTC?
- Usually yes — most Indian offer letters include the employer's 12% PF contribution in the CTC, which is why in-hand is well below CTC ÷ 12. Untick the box if your CTC is quoted excluding it.
- Which regime gives more in-hand?
- The new regime almost always wins unless you have large deductions — high 80C, health insurance, home-loan interest or HRA. The calculator lets you compare both.
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Free to use, no sign-up. Calculations run in your browser — nothing you type is sent to a server. These tools are for general information only, not professional advice. See the full tool list.