Take-Home Salary Calculator

Estimates your monthly in-hand pay from annual CTC, after employee PF and estimated income tax (new regime). Actual structure varies by company — this is a simplified estimate.

Estimated Monthly In-Hand
₹0
Annual CTC₹0
Employee PF (12% of basic, assumed = employer PF)₹0
Estimated income tax₹0
Annual in-hand₹0
This is a simplified estimate assuming basic salary is roughly 50% of CTC and employee PF matches employer PF. Actual take-home depends on your company's exact salary structure (basic, HRA, special allowance, bonuses), professional tax, and other deductions. Check your offer letter's breakup for precise figures.

How CTC Converts to In-Hand Salary

Your CTC (Cost to Company) includes several components that never actually reach your bank account — most notably the employer's contribution to your Provident Fund, which is a cost to the company but not cash you receive directly. Your actual gross salary is CTC minus these employer-side contributions, and your take-home pay is that gross salary minus your own PF contribution and income tax.

This calculator uses a simplified assumption (basic salary as roughly 50% of CTC, employee PF matching employer PF) since exact salary structures vary significantly between companies — your actual offer letter breakup (basic, HRA, special allowance, bonuses, professional tax) will give a more precise figure.

Frequently Asked Questions

Why is my in-hand salary so much lower than my CTC?

CTC includes employer PF contribution, gratuity provision, insurance premiums, and other benefits that are a 'cost' to the company but don't show up as cash in your monthly pay — plus your own PF contribution and income tax are deducted before you receive your salary.

Does professional tax reduce my take-home pay?

Yes, in states that levy it (like Maharashtra, Karnataka, West Bengal) — it's usually a small fixed monthly amount (up to ₹200/month typically), deducted directly from your salary.

Can I increase my take-home pay without changing my CTC?

Sometimes — restructuring your salary (e.g., opting into tax-saving allowances, or choosing the tax regime that suits your deduction profile) can increase your net in-hand pay even at the same CTC. Talk to your HR/payroll team about available options.