Take-Home Salary Calculator
Turn your CTC into monthly in-hand pay. We deduct PF, gratuity, professional tax and income tax (New regime, FY 2025-26).
Your numbers
Monthly in-hand
₹1,03,581Gross salary / yr
₹13.99L
Income tax / yr
₹81.8K
Your PF / yr
₹72.0K
Where your CTC goes
Why in-hand is much less than CTC
CTC (cost to company) is everything your employer spends on you — including parts you never see in your bank account. Your in-hand salary is what's left after:
- Employer PF & gratuity — part of CTC, but paid into retirement funds, not to you.
- Employee PF — 12% of basic, deducted from your salary (it's still your money, just locked away).
- Professional tax — a small state levy.
- Income tax (TDS) — deducted monthly based on your projected annual tax.
That's why a ₹15L CTC doesn't mean ₹1.25L a month in your account.
How the calculator estimates it
We assume basic is a share of CTC (you can adjust it), compute PF and gratuity from basic, and apply income tax under the New regime for FY 2025-26 (₹75,000 standard deduction, income up to ₹12L effectively tax-free). It's a solid estimate — exact pay slips vary with company structure and allowances.
Ways to increase your take-home
- Old vs New regime — if you have big deductions (80C, HRA, home loan), the old regime might lower your tax. Check with the Old vs New Tax Regime tool.
- Tax-efficient allowances — some components (like HRA) reduce taxable income if structured well.
- NPS via employer (80CCD(2)) — can lower tax without cutting take-home much.
Related tools
- Old vs New Tax Regime — which regime nets you more.
- HRA Exemption — how much of your HRA is tax-free.
- Job Offer A vs B — compare two offers on real take-home.
Frequently asked questions
Why is my in-hand salary lower than my CTC?
CTC includes employer PF, gratuity and other costs that don't reach your account, plus your salary is reduced by employee PF, professional tax and income tax. In-hand is what remains after all of these.
Does this use the old or new tax regime?
This calculator applies the New regime for FY 2025-26 (₹75,000 standard deduction, income up to ₹12L effectively tax-free). Use the Old vs New Tax Regime tool if you have large deductions.
Is employee PF a loss from my salary?
No — it's still your money, saved into your EPF account where it earns interest. It reduces your in-hand cash but builds your retirement corpus.