Take home salary calculator
Enter your annual CTC to see your real monthly in-hand salary, after PF and tax.
Monthly in-hand salary
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Annual breakdown
Basic salary{{ basicFmt }}
HRA{{ hraFmt }}
Special allowance{{ specialFmt }}
PF contribution− {{ pfFmt }}
Income tax− {{ taxFmt }}
How take-home salary is calculated
Your CTC includes your basic salary, HRA, allowances, and your employer's PF contribution. Take-home pay subtracts your own PF contribution and income tax from your gross salary.
Take-home = CTC − Employee PF − Income Tax
Example: a ₹12,00,000 CTC works out to roughly ₹98,000 in-hand per month under the new regime (FY 2025-26) — taxable income falls within the ₹12,00,000 rebate threshold, so no income tax is due. A ₹18,00,000 CTC, by contrast, works out to around ₹1,36,000 in-hand.
Tips to increase your in-hand pay
- Use tax-saving investments under Section 80C if you're on the old regime.
- Ask your employer to structure allowances tax-efficiently (meal cards, LTA, etc).
- Compare old vs. new tax regime each year — the better one can change.
- Contribute to NPS for an additional deduction beyond the 80C limit.
Frequently asked questions
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