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Calculate your in-hand salary from CTC. Free salary breakup calculator with PF, professional tax, and income tax deductions.
Calculate your monthly take-home pay from CTC
India IT: 35-50%, Traditional: 50-60%. Higher basic = higher PF contribution.
Calculated using the New Tax Regime (FY 2025-26) with ₹12,00,000 rebate limit. PF is 12% of basic salary subject to ₹15,000 monthly wage cap.
Monthly In-Hand Pay
Monthly Gross
₹91,667
Deductions
₹2,000
In India, CTC (Cost to Company) is the total amount an employer spends on an employee per year. It includes basic salary, allowances, bonus, employer PF, gratuity, and other benefits.
The In-Hand Salary is what you actually receive in your bank account after employer deductions (PF, PT, TDS) and excludes employer-side contributions.
Calculation Logic
12% of basic salary deducted for your retirement corpus. Employer also contributes an equal amount, but only the employee portion affects in-hand salary.
A state-level tax on employment income. Ranges from ₹150-300/month depending on the state. Karnataka charges ₹200/month.
Tax Deducted at Source by your employer based on your estimated annual income and applicable tax regime.
Your basic-to-gross ratio affects PF contributions. A higher basic means higher PF savings but lower immediate take-home pay.
A Salary Calculator helps you understand your actual take-home pay by breaking down your CTC into various components including PF, professional tax, and income tax deductions.
Use our Salary Calculator to get accurate results instantly. You may also want to explore our Income Tax Calculator or HRA Calculator.
The calculator takes your annual CTC and bonus, applies standard PF calculations (12% of basic up to ₹15,000), professional tax, and income tax based on your selected regime, then computes your monthly in-hand salary.
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Input your salary calculator parameters including principal amount, interest rate, and tenure.
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Use the sliders or numeric inputs to fine-tune your values for accurate results.
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Your results update in real-time showing EMI, total interest, and total payment.
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Check the amortization schedule, charts, and download the PDF report for your records.
Monthly Gross = (CTC - Annual Bonus)/12. Basic is assumed as 50% of gross. PF = 12% of basic (subject to minimum wages cap).
1Annual CTC: ₹12,00,000
2Bonus: ₹1,00,000
3Monthly gross: ₹91,667
4Basic (50%): ₹45,833
5Employee PF: ₹1,800 (capped)
6Professional Tax: ₹200
7Monthly Tax: ~₹4,500
8In-hand: ~₹85,167
Monthly In-hand: ~₹85,167
1Annual CTC: ₹25,00,000
2Monthly gross: ₹1,83,333
3Basic: ₹91,667
4Employee PF: ₹1,800
5Professional Tax: ₹200
6Monthly Tax: ~₹30,000
7In-hand: ~₹1,51,333
Monthly In-hand: ~₹1,51,333
Our Salary Calculator uses the standard formula adopted by all major Indian banks and financial institutions. The calculation engine processes your inputs in real-time with 99.9% accuracy. All formulas are verified against official bank calculation methods and regulatory guidelines.
Last reviewed: 2026-07-13. We update our calculations whenever regulatory changes occur (tax slabs, interest rates, TDS rules, etc.).
Find answers to common questions about this calculator below.
In-hand salary = CTC - (Employer PF + Employee PF + Professional Tax + Income Tax + Other deductions). Typically, for a ₹10 LPA CTC, the in-hand salary is approximately ₹75,000-80,000 per month.
CTC (Cost to Company) is the total amount your employer spends on you, including salary, benefits, bonuses, and statutory contributions. In-hand salary is the amount you actually receive after all deductions.
Employee PF contribution is 12% of basic salary (capped at ₹1,800/month for basic above ₹15,000). Employer also contributes 12% but 8.33% goes to EPS (pension) and 3.67% to EPF.
Standard deduction of ₹75,000 (FY 2025-26) is deducted from gross salary before tax calculation. This applies under both New and Old tax regimes.
Divide CTC by 12 to get gross monthly. Then subtract monthly PF, professional tax (usually ₹200), and income tax to get in-hand salary. For accurate results, use our salary calculator.
Professional tax is a state-level tax on employment income. It ranges from ₹200 to ₹300 per month depending on the state. Karnataka charges ₹200/month, while Maharashtra goes up to ₹300/month.
Common allowances include HRA (House Rent Allowance), LTA (Leave Travel Allowance), Medical Allowance, Conveyance Allowance, Special Allowance, and Performance Bonus. HRA and LTA have tax benefits.
The New Tax Regime (FY 2025-26) offers lower tax rates but removes most deductions and exemptions like HRA, LTA, and 80C deductions. Your employer will deduct tax based on your chosen regime.
Variable pay or performance bonus is a portion of CTC that depends on individual and company performance. Typically 10-20% of CTC. It is not guaranteed and may vary year to year.
Gratuity = (Last drawn salary × 15/26 × Years of service). It is paid by the employer if you complete 5+ years of continuous service. For employees covered under the Gratuity Act, it is tax-free up to ₹20 lakh.
The 8th Pay Commission salary calculator estimates salaries for central government employees under the 8th CPC (expected 2026-27). Fitment factor of 2.57-2.86 is proposed. Use our salary calculator with your expected basic pay to estimate revised in-hand salary.
In-hand salary = Monthly Gross - (PF + Professional Tax + Income Tax). For a ₹12 LPA CTC: monthly gross ₹1L, PF ₹1,800, PT ₹200, tax ~₹4,500. In-hand ≈ ₹93,500. Our salary calculator does this automatically with exact tax computation.
A take-home salary calculator shows your actual monthly bank credit after all deductions including PF, professional tax, TDS, and other contributions. It also factors in standard deduction and applicable tax regime for accurate results.
7th Pay Commission salary calculator computes pay for central government employees under existing CPC rules. Pay Level, Basic Pay, DA (currently 53%), HRA, and other allowances determine total compensation. Use our calculator with your pay level for estimates.