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.
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.
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
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.
EMI Calculator →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.