Salary calculator India: CTC to in-hand salary
See your monthly take-home pay under the new tax regime, with the tax, PF and professional tax shown line by line.
| Item | Per year (₹) | Per month (₹) |
|---|
Enter your annual CTC to see the result.
Take-home salary by CTC
Typical packages worked out with the same method. Pick one to see the full breakdown.
Frequently asked questions
How is in-hand salary calculated from CTC?
Start with CTC, remove the employer's PF contribution if it is part of CTC to get gross salary, subtract the standard deduction to find taxable income, apply the slab rates and cess to get income tax, then deduct employee PF, professional tax and tax from gross salary. What is left is your take-home pay.
Is there any tax up to Rs 12 lakh?
Under the new regime a rebate of up to Rs 60,000 means no income tax when taxable income is up to Rs 12,00,000. For a salaried person that is roughly Rs 12,75,000 of gross salary. Just above the limit, marginal relief keeps the tax from exceeding the income above Rs 12,00,000.
Why does my payslip show a different amount?
Employers differ in how they split CTC into basic, allowances and variable pay, in how they calculate PF, and in extras such as insurance, gratuity and food coupons. Use the basic salary and PF options above to match your payslip.
Does this include the old tax regime?
Not yet. This version covers the new tax regime, which is the default for most salaried employees. If you chose the old regime and claim deductions such as HRA, 80C or 80D, your tax will be different.