What’s your actual
take-home salary?
Enter your CTC — get an exact monthly in-hand breakdown including PF, Professional Tax, TDS, and HRA.
Enter Your Details
Results update instantly when you calculate.
Your breakdown appears here
Enter your CTC and click Calculate to see your exact monthly in-hand salary with a full component breakdown.
Monthly Earnings
Monthly Deductions
Where Your CTC Goes
What Is CTC and Why Is It Different from Take-Home?
CTC stands for Cost to Company. It is the total amount your employer spends on you annually, including components that are never paid to you as cash. Most Indian employees are surprised by the gap between their CTC and their monthly take-home, and the reason is that CTC bundles together several non-cash or deferred items alongside your actual salary.
Your take-home salary, also called in-hand salary, is what actually reaches your bank account after all deductions. The difference between CTC and in-hand can range from 20 percent to 35 percent depending on your salary level, tax regime, and whether your company includes PF and gratuity in the CTC figure.
CTC Includes
Basic salary, HRA, special allowances, employer PF contribution, gratuity provision, insurance premiums, and sometimes meal vouchers or LTA.
In-Hand Excludes
Employer PF contribution, gratuity paid only after 5 years, and any non-cash benefits. These are in CTC but never hit your bank account monthly.
Typical Gap
For a 10 LPA CTC, most employees take home between 65,000 and 75,000 per month, roughly 78 to 90 percent of the monthly CTC equivalent.
Variable Pay Impact
If your CTC includes 20 to 30 percent variable pay, your fixed monthly take-home will be significantly lower than the CTC suggests. Always calculate on fixed CTC only.
How In-Hand Salary Is Calculated in India
The calculation follows a standard flow from CTC down to gross salary, and then from gross salary down to take-home after all deductions:
Gross Salary minus Employee PF minus Professional Tax minus TDS minus ESIC = In-Hand Salary In-Hand Salary = Gross Salary minus All Employee-Side Deductions
Every Deduction on Your Salary Slip Explained
Employee Provident Fund (EPF)
12 percent of your Basic Salary is deducted every month and deposited into your EPF account. This is your retirement savings. Your employer also contributes 12 percent of Basic, but most of the employer share goes to EPS (pension scheme) rather than your PF account. The deduction is capped at 1,800 per month if your basic exceeds 15,000.
12 percent of Basic SalaryProfessional Tax
A state-level tax deducted by your employer on behalf of the state government. It applies in Maharashtra, Karnataka, West Bengal, Andhra Pradesh, Telangana, Gujarat, Madhya Pradesh, and a few other states. It does not apply in Delhi, Uttar Pradesh, Rajasthan, and several other states. Maximum is 200 per month (2,400 per year).
Up to 200 per month depending on stateTax Deducted at Source (Income Tax)
Your employer deducts income tax from your salary every month and deposits it with the government on your behalf. The amount depends on your total taxable income, the tax regime you have chosen, and any investment declarations you have submitted. TDS is not a loss. It is advance payment of your annual income tax liability.
Varies by income slab and tax regimeEmployee State Insurance (ESIC)
ESIC is a social security scheme providing medical, sickness, and maternity benefits. It applies only if your gross salary is 21,000 per month or less. The employee contribution is 0.75 percent of gross salary. For most employees earning above 21,000 per month, ESIC does not apply.
0.75 percent of Gross, only if gross is 21,000 or less per monthNew Tax Regime vs Old Tax Regime in FY 2025-26
From FY 2024-25, the New Tax Regime is the default. Your employer will deduct TDS under the new regime unless you explicitly opt for the old regime by submitting a declaration. Here is how the two compare:
New Tax Regime (Default)
- Standard deduction: 75,000
- No 80C, HRA, or LTA deductions
- Lower tax rates at most income levels
- Simpler, no investment proof required
- Good for income below 15 LPA with minimal investments
Old Tax Regime (Optional)
- Standard deduction: 50,000
- 80C deductions up to 1.5 Lakh
- HRA exemption if paying rent
- Home loan interest deduction
- Good for large investments plus HRA plus home loan
What Is Basic Salary and Why Does It Matter?
Your Basic Salary is the foundation of your entire salary structure. It directly determines your PF deduction (12 percent of Basic), your HRA entitlement (typically 40 to 50 percent of Basic), your gratuity (calculated only on Basic plus DA), and your leave encashment value. A higher Basic means higher PF deductions but also higher gratuity and leave encashment payouts.
Most private companies set Basic at 40 to 50 percent of CTC. When evaluating a job offer, always ask for the full salary breakup, not just the CTC number.
Frequently Asked Questions
This calculator provides estimates based on standard salary structure assumptions for FY 2025-26. Actual take-home salary may vary based on your exact CTC breakup, metro or non-metro HRA classification, investment declarations, employer-specific policies, and annual bonus timing. Consult your payroll team or a qualified CA for exact figures. This page does not constitute financial or tax advice.