Take-home Salary Calculator

Calculate your monthly in-hand salary from annual CTC

Annual CTC (₹)

Cost to Company — total annual package including all components

Basic salary as % of CTC

Tax regime

Include Employee PF (12% of basic)

Monthly in-hand salary

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Annual: —

Gross monthly salary—

Employee PF (12% of basic)—

Professional Tax (est.)—

Income Tax (monthly TDS)—

Monthly in-hand—

*Estimates only. Actual salary depends on your company's exact structure. Consult your HR for precise figures.

CTC vs In-hand Salary

What is CTC?

Cost to Company (CTC) is the total annual cost an employer incurs for an employee. It includes basic salary, HRA, allowances, employer PF contribution, gratuity provision, insurance, and other benefits. Your actual take-home is significantly less than CTC.

What are the main deductions?

Employee PF (12% of basic), Professional Tax (₹200/month in most states), and Income Tax (TDS). Some companies also deduct medical insurance premiums and other benefits from salary.