Take-home salary calculator
Turn your CTC into the cash you actually receive. This estimates your monthly in-hand pay after PF, gratuity, professional tax, and income tax.
How take-home is estimated
The steps are:
Employer PF and your own PF are each 12% of basic, gratuity is 4.81% of basic, professional tax is taken as \u20b92,400 a year, and income tax uses the new regime for FY 2025-26. Dividing the yearly in-hand by twelve gives your monthly figure.
FAQs about take-home salary
How is take-home salary calculated from CTC?
CTC includes employer contributions that you do not receive in cash. Subtract the employer PF and gratuity to reach gross pay, then deduct employee PF, professional tax, and income tax to get your in-hand salary.
Why is my take-home much lower than my CTC?
CTC bundles in the employer PF, gratuity, and sometimes insurance and bonuses. After these and your own PF, professional tax, and income tax, the monthly cash in hand is noticeably smaller.
What is the basic percentage for?
PF and gratuity are calculated on basic pay, so a higher basic means larger PF and gratuity and slightly lower immediate take-home. Most companies set basic at 40–50% of CTC.
Is professional tax the same everywhere?
No. Professional tax is set by each state and is nil in some. This tool uses a typical ₹2,400 a year; adjust your expectation if your state differs.
Which tax regime does this use?
It estimates income tax using the new regime for FY 2025-26 with the standard deduction. Your actual tax depends on the regime and deductions you choose.
Is this exact?
It is a close estimate. Real salary slips vary with allowances, variable pay, insurance, and your declared investments, so treat the figure as a guide.