Salary / Take-Home Calculator
Estimate monthly in-hand salary from annual CTC.
Last updated: Aug 3, 2026
Disclaimer: Results here are estimates for general understanding only and are not financial, tax, investment or legal advice. Figures assume constant rates and inputs, and may differ from your bank, lender or tax department calculations. Always verify with official sources or a qualified professional before making any financial decision.
01
CTC to In-Hand
$$ \text{In-hand} \approx \frac{\text{CTC} - \text{Employer PF} - \text{Tax} - \text{Other}}{12} $$
Step 1
$$ \text{Basic} \approx 40\% \text{ of CTC} $$
Approximate basic for PF calculation (common structure).
Step 2
$$ \text{Employee PF} = 12\% \text{ of Basic} $$
Deducted from salary every month.
Step 3
$$ \text{Employer PF} = 12\% \text{ of Basic} $$
Part of CTC but not paid in hand.
Step 4
$$ \text{Tax} \approx \text{new regime estimate} $$
Approximate annual tax under new regime, then monthly TDS.
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About Salary Calculator
Indian salary structures (CTC) include many components that never reach your bank account: employer PF contribution, gratuity, insurance, and variable pay. This calculator gives a realistic estimate of monthly take-home by subtracting employee PF, approximate income tax under the new regime, and professional tax.
Actual take-home varies with exact salary structure, HRA, deductions claimed, and state professional tax rules. Use it as a planning estimate, not as a final payslip figure.
Practical Tips (India)
Tip 1: In-hand salary is always less than CTC — PF, professional tax and income tax explain most of the gap.
Tip 2: Opting for the new tax regime removes most deductions but simplifies take-home math; compare before choosing.
Tip 3: Negotiate on CTC structure too — a higher basic increases PF but also your provident fund corpus and tax.
Frequently Asked Questions
Why is in-hand much lower than CTC?
Employer PF (12% of basic), gratuity, medical insurance and other benefits are part of CTC but not paid monthly. Employee PF and TDS further reduce the amount credited.
Does this use old or new tax regime?
It approximates tax under the new regime (default for most people). For precise tax use a dedicated income tax calculator with full deductions.
What is a typical basic percentage?
Many companies set basic at 40–50% of CTC. Higher basic increases PF contribution and can affect take-home and tax.
Is professional tax the same everywhere?
No. It varies by state (₹0 to ₹2,500 per year). Enter the amount applicable to your state.
Can I use this for job offers?
Yes. It is useful to compare two CTCs by estimating actual monthly cash flow. Always ask for a detailed salary breakup from the employer.