Take-Home Salary Calculator (CTC to In-Hand)
Your CTC is not your salary. This works out what actually reaches your bank account each month after PF, gratuity, professional tax and income tax — with every deduction shown.
Part of CTC, paid separately from monthly salary
Monthly take-home
₹1,11,326
Annual take-home
₹13,35,912
Total deductions
₹1,64,088
10.9% of CTC
| Cost to company (CTC) | ₹15,00,000 |
| Less: employer PF contribution | -₹21,600 |
| Less: gratuity provision | -₹28,860 |
| Gross salary | ₹14,49,540 |
| Less: employee PF contribution | -₹21,600 |
| Less: professional tax | -₹2,400 |
| Less: income tax (new regime) | -₹89,628 |
| Annual take-home | ₹13,35,912 |
Your PF balance still grows by ₹43,200 a year, and gratuity of ₹28,860 accrues towards a payout after five years of service. That money is yours, it just does not show up in your monthly salary.
An estimate for FY 2025-26. Salary structures vary by employer, and professional tax differs by state (2,400 a year is typical; Delhi and a few others do not levy it). Surcharge above 50 lakh is not included.
How to use
- 1Enter your annual CTC as stated in your offer letter.
- 2Pick what share of CTC is basic pay — 40% is the most common.
- 3Choose the new or old tax regime, and enter your 80C deductions if you are on the old regime.
- 4Read your monthly in-hand figure and the line-by-line breakdown below it.
Frequently Asked Questions
Why is my in-hand salary so much lower than my CTC?
CTC includes things that never reach you: the employer's PF contribution, the gratuity provision, and sometimes insurance premiums. Then your own PF, professional tax and income tax come out of what is left. A gap of 20 to 30% between CTC and in-hand is normal.
How is employer PF calculated?
12% of basic pay, but the statutory wage ceiling is ₹15,000 a month, so many employers cap the contribution at ₹1,800 a month. Others compute it on full basic. The checkbox lets you switch between the two.
Which regime gives a higher take-home?
For most salaried people without large deductions, the new regime does — it has a ₹75,000 standard deduction and no tax up to ₹12 lakh of taxable income. The old regime wins only if your 80C, 80D, HRA and home loan interest together are large.
Does everyone pay professional tax?
No. It is a state levy, capped at ₹2,500 a year. Maharashtra, Karnataka, West Bengal, Tamil Nadu and several others charge it; Delhi, Haryana, UP and a few more do not.
What about gratuity — do I lose it?
No, it accrues to you. Gratuity is payable after five years of continuous service at 15 days of basic pay per year worked. It is set aside from CTC but only paid when you leave.