New offer evaluation
Compare two offers with different CTC split to understand which one gives better monthly cash in hand.
Take-Home Salary Calculator
Estimate annual and monthly in-hand salary after PF, professional tax and income tax.
GratuityPPFEPF / PFEMISIPFDNPSIncome TaxHRAAgeGSTPercentageBMITake-Home SalaryStamp DutySIP Step-UpCompound InterestLumpsumLoan EligibilityTDSRDSection 80C PlannerSalary HikeDiscount
How to use this calculator
- 1
Enter annual salary
Use annual fixed salary or realistic gross pay, not headline CTC with uncertain variable bonus.
- 2
Set PF and professional tax
Configure basic salary percentage, employee PF contribution and state professional tax assumptions.
- 3
Compare outcomes
Review annual net salary and monthly take-home, then cross-check with income-tax and TDS calculators.
₹
%
%
₹
In-hand salary
Employee PF (annual)₹ 57,600
Professional tax (annual)₹ 2,400
Estimated income tax₹ 62,140
Annual net₹ 10,77,860
Quick answer
Quick thumb rule: your in-hand salary is always lower than CTC after employee PF, professional tax and income tax. For most salaried profiles, the gap can range from 8% to 25% depending on tax regime and deductions.
Take-home salary is what lands in your bank after employee PF, professional tax, and estimated income tax. Use this calculator for quick CTC-to-in-hand planning before choosing tax regime, accepting an offer, or submitting payroll declarations.
What is this calculator?
A take-home salary calculator estimates annual and monthly net pay from gross CTC using salary assumptions such as basic salary share, employee PF, standard deduction, professional tax, and slab tax. It is a planning tool, not a replacement for employer payroll.
Formula
Net salary = Gross salary - Employee PF - Professional tax - Estimated income tax. Taxable salary usually starts with gross salary, then reduces eligible deductions such as standard deduction and any old-regime deductions entered separately. Monthly take-home = annual net salary / 12.
Example
Example 1: Gross salary ₹12,00,000, basic share 40%, employee PF 12% on basic, professional tax ₹2,400/year, and estimated tax around ₹45,000. Annual net salary is roughly ₹10.95 lakh, or about ₹91,250/month.
This is useful for offer comparison because a ₹12 lakh CTC may not mean ₹1 lakh per month in hand once PF, tax, and state-level professional tax are considered.
Another example
Example 2: Gross salary ₹18,00,000 with stronger tax outgo may still have better monthly cash flow if employer PF, variable pay, insurance, or reimbursements are lower. Always compare fixed pay, variable pay, employer PF, gratuity, and deductions separately before deciding between offers.
Scenario snapshots
Mid-year salary revision
Estimate take-home after hike before you submit payroll declaration updates.
Decision guide
Choose this when
- ✓You want realistic monthly in-hand estimate from annual salary.
- ✓You need to compare old vs new regime impact on cash flow.
- ✓You are evaluating offer letters with different salary structures.
Pick another route when
- •You need exact payroll figure including company-specific reimbursements and arrears.
- •You are calculating tax for business/freelance income (use income-tax calculator with complete heads).
Common mistakes to avoid
- !Using CTC directly without removing variable pay and employer-only benefits.
- !Ignoring professional tax and assuming it is zero in all states.
- !Comparing offers only on hike percentage and not on final in-hand.
Assumptions and disclaimers
Updated context: FY 2026-27
- •Standard deduction is applied as per salaried-tax planning for FY 2026-27.
- •PF is estimated from the basic salary percentage and employee contribution rate entered by the user.
- •Professional tax varies by state and may not apply everywhere.
- •Employer-specific benefits, variable pay, reimbursements, insurance, and gratuity are not fully modeled.
- •Verify final payroll with salary annexure, Form 16, and employer HR/payroll team.
In practice (India)
Use this calculator with the income tax and HRA calculators when comparing old vs new regime. If you have rent proof, 80C investments, NPS, medical insurance, or home-loan interest, the old regime can change the final in-hand outcome. If you do not have deductions, the new regime is often simpler for payroll.
The estimate intentionally stays transparent: it shows deductions separately instead of hiding everything inside one final number. That makes it easier to question payroll assumptions and reconcile with Form 16 later.
Benefits
- ✓Estimate realistic monthly in-hand salary before accepting an offer.
- ✓Compare new vs old regime planning with linked tax calculators.
- ✓Understand how PF and tax reduce CTC-to-cash conversion.
- ✓Plan monthly budgets using conservative salary assumptions.
Related calculators and guides
Frequently Asked Questions
- Is take-home same as CTC?
- No. CTC includes employer costs and benefits; take-home is after employee deductions and tax.
- Does this include HRA exemption?
- Add HRA benefit separately using our HRA calculator in old regime planning.
- Why is my company payslip different from this result?
- Payroll can include employer-specific components such as variable pay, insurance, meal cards, reimbursements, arrears, LOP, or bonus. Use this as a planning estimate and reconcile with the official payslip.
- Should I use gross salary or CTC?
- Use the closest fixed annual gross salary if available. If you only know CTC, exclude variable pay and employer-only benefits for a cleaner in-hand estimate.
- Does professional tax apply in every state?
- No. Professional tax is state-specific and has different slabs. Keep it zero if it does not apply to your employment state.
For official salary, tax, and TDS decisions, verify with employer payroll, Form 16, and current income-tax rules.
How we calculate
Estimates use the formula shown above. Rules and rates are checked against official India sources where applicable (Income Tax Act, RBI/NSC circulars, GST law). Last reviewed for FY 2026-27.
- Standard deduction is applied as per salaried-tax planning for FY 2026-27.
- PF is estimated from the basic salary percentage and employee contribution rate entered by the user.
- Professional tax varies by state and may not apply everywhere.
- Employer-specific benefits, variable pay, reimbursements, insurance, and gratuity are not fully modeled.