Take-home Salary Calculator
Enter your CTC and see exactly what lands in your bank — after PF, TDS, professional tax, and deductions.
Enter Your Numbers
How this calculator works
CTC (Cost to Company) and in-hand salary are very different numbers. Your employer's contribution to EPF, gratuity, and insurance all form part of CTC but you never see them in your bank. This calculator breaks down every deduction so you know your real monthly income.
In-hand = Gross Salary − Employee PF (12%) − TDS − Professional Tax − Other deductions
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
EPF: 12% of basic
Both you and your employer contribute 12% of basic salary to EPF. Employer's share is in your CTC but not in take-home.
PT varies by state
Professional Tax is ₹200/month in most states (max ₹2,400/yr). Some states don't levy it.
Optimize your structure
Ask HR to maximize HRA, LTA, and meal coupons — these are tax-exempt components.
Frequently Asked Questions
Both you and your employer contribute 12% of basic salary to EPF. Employer's share is in your CTC but not in take-home.
Professional Tax is ₹200/month in most states (max ₹2,400/yr). Some states don't levy it.
Ask HR to maximize HRA, LTA, and meal coupons — these are tax-exempt components.