Calculate your exact monthly take-home salary from your CTC (Cost to Company). See all deductions — PF, professional tax, income tax — and your actual in-hand amount.
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Cost to Company — total package including PF, gratuity, and all benefits.
If your bonus is included in CTC, enter it separately. It is excluded from monthly calculation.
New regime is default from FY 2024-25.
Only relevant for old regime calculation.
CTC to take-home involves these deductions:
Basic = ~40% of CTC Employee PF = 12% of Basic (capped at ₹1,800/mo) Professional Tax = State-specific, typically ₹200/mo TDS = Estimated annual tax ÷ 12
CTC includes employer PF (12% of basic), gratuity provision (~4.8% of basic), and often insurance/meal allowances. Employee PF, professional tax, and TDS further reduce take-home.
CTC = total employer cost. Gross salary = what you earn before tax deductions. Net/take-home = what hits your bank after all deductions.
PF is 12% of basic, but capped at ₹1,800/month (on ₹15,000 basic). If your basic is higher, you can choose to contribute on actual basic (VPF).
A state-level tax on employment income. Maharashtra, Karnataka, West Bengal etc. levy it. Maximum ₹2,400/year (₹200/month). Exempt in many states.