Last updated: October 2026

💵 Take-Home Salary Calculator

Our take-home salary calculator converts your CTC into actual monthly in-hand pay — accounting for PF, gratuity, professional tax and income tax so there are no surprises on payday.

Take-Home Salary Calculator

CTC se haath me kitna aayega — EPF, tax sab kaat kar.

Annual CTC

₹2 lakh₹1 crore

Basic salary (% of CTC)

10%80%

Years of service (gratuity)

040 years

City type

HRA component ke estimate ke liye.

Monthly in-hand (approx)₹93,800

EPF deduction / month₹6,000

Income tax / month₹0

Gratuity accrued₹1,44,231

Assumptions: EPF 12% of basic, prof. tax ₹200/mo, new-regime tax FY 2026-27. Approx HRA component: ₹25,000/mo.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

Take-home kaise nikalta hai?

CTC me se EPF (12% of basic), professional tax aur new-regime income tax ghata kar monthly in-hand nikalta hai. Gratuity Payment of Gratuity Act ke formula se accrued amount dikhata hai. Actual payslip company policy par depend karti hai.

How to Use

Enter your annual CTC.
Set basic pay % and employer PF/gratuity assumptions.
Choose metro/non-metro and tax regime.
See your monthly in-hand salary with full breakup.

Formula

In-hand = CTC − Employer PF − Gratuity − Employer insurance − Employee PF − Professional tax − Income tax, divided by 12. Assumptions are clearly labelled and adjustable.

💡 Example

Example: ₹12 LPA CTC (metro, new regime) → in-hand ≈ ₹85,000–94,000/month depending on PF/gratuity structure. Our calculator shows the exact model used.

FAQs — Take-Home Salary Calculator

CTC includes employer PF, gratuity, insurance and bonuses you don't receive monthly. Plus tax and employee PF get deducted.

Typically 40–50% of CTC. Higher basic means higher PF (good for savings) but lower in-hand.

Yes — tax is estimated per the selected regime. Actual TDS may vary with your declarations.

HRA exemption calculations differ (50% of basic for metro, 40% otherwise), affecting old-regime tax.

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