Know Your Real Take-Home Pay

Salary Calculator — CTC to In-Hand

Enter your CTC and instantly see your exact take-home salary with full breakdown — Basic, HRA, PF, Professional Tax and Income Tax deductions for 2026.

✓ CTC to in-hand salary
✓ New & Old tax regime
✓ Full salary slip breakdown
✓ Free, no login
💼 Your Salary Details
Annual CTC (Cost to Company)Total package offered by employer
₹
₹2L₹1 Cr
Tax Regime
⚙️ Salary Structure (Adjust as needed)
Basic SalaryUsually 40-50% of CTC
% of CTC
HRAUsually 40-50% of Basic
% of Basic
Special AllowanceBalance amount in CTC
₹
🏙️ Location & Other
City TypeAffects HRA exemption in old regime
Monthly Rent PaidFor HRA exemption (old regime)
₹
💰 Monthly In-Hand Salary
—
— per year take-home
on — CTC
ComponentMonthlyAnnual
💚 EARNINGS
Basic Salary——
HRA——
Special Allowance——
Employer PF (not in hand)—
Gross Salary——
🔴 DEDUCTIONS
Employee PF (12% of Basic)—
Professional Tax—
Income Tax (TDS/month)——
Net In-Hand Salary——
Salary Breakdown — Where Does Your CTC Go?
💡 Salary Optimization Tips
📋Ask HR to restructure your CTC — higher Basic increases PF savings but reduces take-home. Lower Basic means more in-hand but less PF corpus at retirement.
🏠If you pay rent, claim HRA exemption under Old Regime — saves ₹20,000-₹60,000 in tax depending on city and rent amount.
🏢Employer NPS contribution under 80CCD(2) reduces tax in BOTH regimes. Ask HR to add it — typically 10% of basic salary.
🔁New regime is default from FY 2026-27. Actively opt for Old Regime by April 1 if you have high deductions (80C, HRA, home loan).

Salary FAQs

Common questions about CTC and take-home salary in India

What is CTC and how is it different from take-home salary? +
CTC (Cost to Company) is the total annual cost an employer incurs for an employee — including salary, employer PF contribution, gratuity provision, health insurance, and other benefits. Take-home salary is what actually gets credited to your bank account after all deductions. The difference between CTC and take-home can be 20-35% for most Indian employees, mainly due to: Employee PF (12% of basic), Income Tax (TDS), Professional Tax, and the fact that Employer PF contribution is part of CTC but never reaches your account directly.
How is PF calculated on salary? +
Employee PF contribution = 12% of Basic Salary. Employer PF contribution = 12% of Basic (3.67% EPF + 8.33% EPS). If your basic salary is ₹30,000: Employee PF = ₹3,600/month (deducted from your salary). Employer PF = ₹1,101 + EPS ₹2,499 = ₹3,600/month (part of CTC but not in your hand). The PF wage ceiling is ₹15,000 for EPS — employer EPS contribution is capped at ₹1,250/month regardless of salary. However, you can contribute PF on full basic salary above ₹15,000.
What is Professional Tax and who pays it? +
Professional Tax is a state-level tax on employment income. Not all states have it — Maharashtra, Karnataka, West Bengal, Andhra Pradesh, Tamil Nadu, Gujarat are the main ones. Maximum is ₹2,500/year (₹200/month for most months, ₹300 in February in some states). It's deducted by your employer and deposited with the state government. Professional Tax is eligible for deduction under the Income Tax Act — it reduces your taxable income.
How can I increase my monthly take-home salary? +
5 ways to maximize take-home: (1) Choose New Tax Regime if you have minimal deductions — higher standard deduction of ₹75K. (2) Lower your Basic % in CTC structure — less PF deduction means more in hand (but less retirement savings). (3) Claim all tax deductions in Old Regime — 80C ₹1.5L + NPS ₹50K + HRA + home loan. (4) Request food coupons, LTA, medical reimbursement components — these are partially tax-free. (5) Submit rent receipts to claim HRA exemption if you're paying rent.
Why is my actual salary different from what the calculator shows? +
The calculator gives an estimate based on standard salary structures. Your actual take-home may differ due to: Different basic salary % (some companies keep it very low). Variable pay/bonus (not included in monthly calculation). LTA (Leave Travel Allowance) — paid once/twice a year. Food coupons, car lease, phone reimbursement components. State-specific professional tax rates. TDS adjustment for previous months. Always check your actual salary slip from your HR/payroll system for exact figures.