Salary Take-home Calculator
Enter your CTC, get the monthly and annual in-hand after EPF, professional tax and income tax.
CTC details
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Monthly in-hand salary
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CTC breakdown (annual)
Deductions (annual)
Frequently asked questions
About in-hand salary, EPF, gratuity and CTC structure.
How does CTC differ from in-hand?
CTC (Cost to Company) includes everything the employer pays out for you — including employer-side contributions (Employer PF 12% of Basic, Gratuity 4.81% of Basic, sometimes ESI) that you don't receive in your bank account.
Annual Gross = CTC − Employer PF − Gratuity. This is your actual paid-out salary.
Annual Net (in-hand) = Annual Gross − Employee PF (12% Basic) − Professional Tax − Income Tax. Divide by 12 for monthly in-hand.
What's a typical Basic-to-CTC ratio?
Most companies set Basic at 40-50% of CTC. The trade-off:
- Higher Basic → more PF (12% × 2 sides) and more gratuity, larger retirement corpus, but lower monthly in-hand.
- Lower Basic → more special allowance, higher in-hand, smaller retirement corpus.
This calculator defaults to 50%. Look at your payslip / offer letter to find your actual ratio and override.
What's the statutory EPF cap?
Under EPFO rules, statutory PF is 12% of Basic + DA, capped at 12% of ₹15,000 = ₹1,800 per month for both employer and employee. Annual cap = ₹21,600 each.
Many companies offer voluntary higher contribution on the full actual Basic (no cap). Confirm with your HR. Toggle Uncapped EPF in the calculator if your company contributes on full Basic.
Higher PF means lower monthly in-hand but a bigger retirement corpus — tax-deferred (employer share is exempt; employee share is part of 80C in old regime).
Why is gratuity in my CTC if I might never get it?
The Payment of Gratuity Act mandates 15/26 days of last drawn Basic for each completed year of service after 5 years. Companies provision 4.81% of Basic annually (= 15/26 × 1/12) as a gratuity reserve.
This 4.81% is shown in your CTC even though it's only paid out at exit if you stay 5+ years. If you leave earlier, you don't receive it — but it was counted in your offer letter.
How does the income tax calculation work here?
The calculator applies FY 2026-27 slabs based on your chosen regime:
- New Regime: standard deduction ₹75,000, slabs 0% / 5% / 10% / 15% / 20% / 25% / 30%, Section 87A makes tax zero up to ₹12L taxable income.
- Old Regime: standard deduction ₹50,000, plus your 80C / 80D / 80CCD(1B) / HRA exemption / etc.
4% Health and Education Cess on the tax. The calculator does not currently model surcharge for very high incomes — for ₹50L+ CTC, use the Income Tax Calculator directly with all surcharge logic.