Take-home Salary Calculator (In-hand)
Your offer letter says CTC, but what matters every month is the in-hand amount. Enter your annual CTC to estimate your monthly take-home salary under the new tax regime, after employee PF, professional tax and income tax.
How it works
- Enter your annual CTC in rupees.
- The calculator estimates employee PF (12% of Basic at 40% of CTC), Rs. 200/month professional tax, and income tax under the new regime (FY 2025-26) with the Rs. 75,000 standard deduction.
- See your estimated monthly take-home and each deduction.
Example: a Rs. 6,00,000 CTC typically works out to roughly Rs. 45,000-47,000 per month in hand, depending on your company's PF and structure.
Common questions
Which tax regime does this use?
The new regime for FY 2025-26, where income up to Rs. 12 lakh (taxable) effectively pays zero tax after the rebate. The old regime needs your investment details, so it is not estimated here.
Why is my actual in-hand different?
Companies structure salaries differently - PF caps, variable pay, gratuity in CTC and reimbursements all move the number. Use this as a close estimate, then verify with your offer breakup.
Is my salary data stored anywhere?
No. Everything runs in your browser and nothing is sent to our servers.