Salary Calculator
Turn your annual CTC into an estimated monthly in-hand salary, after PF, professional tax and income tax.
Monthly in-hand salary
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Estimate (new regime). Assumes basic = chosen % of CTC, 12% PF on basic, ₹2,400 professional tax. Your actual figure depends on your salary structure and state.
How CTC becomes in-hand salary
Your CTC (Cost to Company) is the total your employer spends on you — including money that never reaches your bank account. In-hand (take-home) salary is what's left after four deductions:
- Employer PF (~12% of basic) — counted in CTC but paid into your PF, not your salary.
- Your PF (~12% of basic) — your money, but locked into retirement savings.
- Professional tax — a small state levy, usually up to ₹2,500/year.
- Income tax (TDS) — deducted monthly based on your regime and deductions.
This calculator estimates each of these from your CTC and your chosen basic-pay percentage, using the current new-regime tax slabs, and shows your monthly take-home.
Why "basic %" matters
A higher basic pay means more PF is deducted — so slightly lower cash in hand now, but more forced retirement saving. A lower basic gives more monthly cash but less PF. It's a trade-off, not free money. Most companies set basic at 40–50% of CTC.
Why this is an estimate
Real salary structures vary — allowances, bonuses, the exact basic, your state's professional tax, and your regime choice all shift the number. Treat the result as a close ballpark, not your exact payslip. For a full walkthrough, read CTC vs in-hand salary explained.
Frequently asked questions
What is in-hand (take-home) salary?
In-hand salary is what actually reaches your bank account each month after deductions like your Provident Fund contribution, professional tax and income tax (TDS) are taken out of your gross salary.
How is this estimated?
From your CTC we estimate basic pay (you can adjust the %), remove the employer's PF (which is part of CTC but not paid to you), then subtract your own PF, professional tax and income tax under the new regime to arrive at take-home.
Why is it only an estimate?
Real salary structures vary a lot — allowances, bonuses, the exact basic pay, your state's professional tax, and whether you pick the old or new tax regime all change the figure. Treat this as a close ballpark, not your exact payslip.
Which tax regime does this use?
It uses the new tax regime (the default), with the ₹75,000 standard deduction. If you claim large deductions like 80C, 80D or HRA, the old regime might give you more in hand — compare with our income tax calculator.