Take-home Salary Calculator
Estimate your monthly in-hand salary from your CTC under the new tax regime — with income tax, PF and professional tax broken down.
= ₹12,00,000 per year
- Annual CTC — ₹12,00,000
- Gross salary — ₹10,99,140
- − Employer PF & gratuity (part of CTC, not in-hand) — ₹1,00,860
- − Employee PF — ₹72,000
- − Professional tax — ₹2,400
- − Income tax + cess — ₹0
- Annual in-hand — ₹10,24,740
Estimate under the FY 2025-26 · New Regime. Assumes Basic = 50% of CTC. Your actual pay depends on your company's salary structure and state. Tax rules change — verify on incometax.gov.in. Not financial advice.
Work out your in-hand salary in 3 steps
Type your annual CTC. Not sure of the difference? Switch to 'Gross salary' if you already know your gross figure.
Under Advanced settings you can change the Basic pay percentage and your state's professional tax to match your payslip.
See your monthly and yearly in-hand pay, income tax, and every deduction — updated live as you type.
Where this calculator helps
Two CTCs look different on paper — see which one actually puts more money in your bank each month.
See how CTC becomes gross, and how PF, professional tax and income tax reduce it to your in-hand pay.
Know your real monthly income before you plan rent, EMIs and savings.
See exactly how much income tax you pay under the latest new tax regime, including the standard deduction and rebate.
Benefits
- Converts CTC to realistic monthly in-hand pay, not just gross.
- Uses the new tax regime for FY 2025-26, including the ₹75,000 standard deduction and the Sec 87A rebate.
- Breaks down every deduction: employer PF, gratuity, employee PF, professional tax and income tax.
- Runs entirely in your browser — your salary details never leave your device.
More free calculators
Important note
This tool provides an estimate based on the values you enter. Actual loan, tax, salary or investment results can differ. Verify important financial decisions with the relevant lender, employer, tax rules or qualified professional.
Frequently asked questions
What is take-home (in-hand) salary?
Take-home or in-hand salary is the amount that actually reaches your bank account each month, after deductions like provident fund (PF), professional tax and income tax are taken out of your gross salary. It is always lower than your CTC.
How do I calculate take-home salary from CTC?
Start from your CTC, then remove the parts that never reach your bank account — the employer's PF contribution and gratuity — to get your gross salary. From that gross, subtract your own PF, professional tax and income tax to arrive at your monthly in-hand pay. Enter your CTC above and this calculator does all of these steps for you and shows the monthly take-home figure.
Why is my in-hand salary less than my CTC?
CTC (Cost to Company) includes things you don't receive in your monthly bank credit — such as the employer's PF contribution and gratuity — plus deductions like your own PF, professional tax and income tax. This calculator subtracts all of these to estimate your real in-hand pay.
Which tax regime does this use?
It uses the New Tax Regime for FY 2025-26 (AY 2026-27), which includes a ₹75,000 standard deduction and a Sec 87A rebate that makes income up to ₹12,00,000 of taxable income tax-free. The new regime is the default regime in India.
How accurate is this calculator?
It gives a close estimate based on common assumptions (for example, Basic pay as 50% of CTC). Your actual pay depends on your company's exact salary structure, your state's professional tax, and any allowances or exemptions. Always check your official payslip and offer letter, and verify current tax rules on incometax.gov.in.
Does it include PF and professional tax?
Yes. It deducts employee PF (12% of Basic) and professional tax (which you can set for your state) along with income tax. For CTC input, it also separates the employer's PF and gratuity, which are part of CTC but not part of your monthly in-hand pay.
Is this salary calculator free and private?
Yes. It's completely free with no sign-up, and everything is calculated in your browser — the salary details you enter are never uploaded or stored anywhere.
More free tools
See your monthly EMI, total interest, and full cost for any loan amount, rate and tenure.
GST Calculator →Add GST to a price or remove it from an inclusive amount, with the CGST/SGST/IGST split shown instantly.
SIP Calculator →See how much your monthly SIP could grow to, with invested amount and estimated returns broken down.
WhatsApp Link Generator →Create a click-to-chat link with a pre-typed message, see a live preview, and download a custom QR. No need to save the number.
Image Resizer for Forms →Resize a photo or signature to exact pixels and an exact KB size — perfect for exam and government forms.
Image to PDF Converter →Turn photos into a PDF and keep it under a KB limit — 100 KB, 200 KB or your own — for exam and government form uploads.
Compress PDF →Shrink a PDF to fit an exact size limit — 100 KB, 200 KB or your own — for exam and government form uploads.
PDF to JPG Converter →Turn every page of a PDF into a JPG or PNG image — download one page or all of them as a ZIP.
Land Area Converter →Convert bigha, katha, biswa, gaj, guntha, cent, acre and more — with the right value for your state.
Marriage Biodata Maker →Make a clean marriage biodata with your photo in Hindi or English — download as PDF or image, free.
Photo Background Remover & Changer →Remove a photo's background and set it to white, blue or any colour — ready for passport and form uploads.
Photo Name & Date Maker →Write your name and the date onto a photo — the way exam and job forms ask for it.
Typing Speed Test (Hindi & English) →Check your typing speed against SSC and clerk exam targets — or start learning from scratch.
PDF Password Remover →Remove a password you already know from a PDF — bank statements, payslips, cards — and save an unlocked copy. Nothing is uploaded.
GPS Speedometer — Speed Test →Measure your real-time speed with GPS — km/h, mph or knots, with max speed, distance and a HUD mode.
Speed Converter →Convert between km/h, mph, knots, m/s and ft/s instantly — with a common-values reference table.
Plot Area Calculator →Enter a plot's length and width to get its area in sq ft, gaj, sq m, acre and more — with a to-scale drawing.
Land Price Calculator →Work out a plot's total price from its area and rate — or find the rate per sq ft / gaj from a total.
Your Life in Numbers →Enter your birth date and see fun stats — days lived, heartbeats, full moons seen — as a shareable card.
Screen Ruler →Turn your screen into a real cm / inch / px ruler — auto-detects your device, or calibrate with a card.
Stamp Duty Calculator →Calculate stamp duty, registration charges and total property cost for any Indian state — with women's concession built in.