Take-Home Salary Calculator
Work out your monthly in-hand salary from annual CTC. Enter your salary structure, employee PF rate, professional tax and tax regime to see take-home pay, deductions, a full breakdown and a side-by-side New vs Old regime comparison.
Salary Structure
Deductions
Income Tax Regime
Old Regime Deductions
Results
Monthly Take-Home
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Where your CTC goes
Bar totals to your annual CTC. Take-home + deductions + employer contributions = CTC.
Monthly Salary Structure
How your annual CTC translates into a monthly payslip.
| Component | Monthly | Annual |
|---|
CTC Reconciliation (Annual)
Every rupee in your CTC, accounted for.
| Bucket | Amount | % of CTC |
|---|
Tax Regime Comparison
Side-by-side view of the New and Old regimes for your inputs. The better regime is highlighted.
| Metric | New Regime | Old Regime |
|---|
Calculation Assumptions
- • Tax slabs are India-specific, FY 2024-25 (AY 2025-26). Currency selector only changes display format.
- • New regime: standard deduction ₹75,000; slabs 0/5/10/15/20/30% with ₹7L rebate threshold.
- • Old regime: standard deduction ₹50,000; slabs 0/5/20/30% with ₹5L rebate threshold.
- • HRA exemption in old regime = min(actual HRA, rent − 10% of basic, 50%/40% of basic).
- • 80C capped at ₹1.5L, 80D capped at ₹25k; 4% health & education cess added on tax.
- • Employee PF capped at ₹1,800/month (₹21,600/year) when basic exceeds ₹15,000/month.
- • Gratuity assumed at 4.81% of annual basic, included in CTC when the checkbox is ticked.
- • Actual salary components, employer-specific structures, and state professional-tax rules may differ.
This calculator is for informational purposes only. Take-home pay depends on the exact salary structure, employer policies, state professional-tax rules, investment declarations, and individual tax situations. Actual figures may differ. Not tax or financial advice.
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What Is a Take Home Salary Calculator?
A Take Home Salary Calculator estimates the amount of money you receive in your bank account after employee contributions, income tax deductions and other payroll deductions are subtracted from your salary. It helps you understand the difference between your advertised salary package and your actual monthly in-hand pay.
When you receive a job offer, the annual cost to company (CTC) may look substantially higher than the salary credited to your account each month. This difference can arise because CTC may include employer provident fund contributions, gratuity provisions, insurance benefits, bonuses and other benefits that do not form part of your regular cash salary.
Your take-home salary also depends on your salary structure, employee provident fund (EPF) contribution, applicable professional tax, tax deducted at source (TDS), and any voluntary deductions or recoveries. A salary calculator brings these factors together to help you plan your monthly expenses, savings and financial goals.
Estimate Monthly In-Hand Pay
Calculate the approximate amount available for rent, household expenses, savings, investments and loan repayments after accounting for regular payroll deductions.
Compare Salary Offers
Understand why two job offers with similar CTC figures can produce different monthly salaries because of their benefits, salary components and deduction structures.
Take Home Salary Calculation Formula
The basic calculation subtracts employee-side deductions from gross salary. The exact result depends on which components are included in gross pay and which deductions apply to your payroll.
Total employee deductions can include employee EPF contributions, TDS, professional tax, employee ESI contributions where applicable, and other authorised payroll deductions.
If you start with CTC instead of gross monthly salary, the calculation requires an additional step. First identify the cash salary payable to you and account for employer-funded benefits or contributions included in CTC. Then subtract employee deductions and applicable tax withholding to estimate the amount credited to your bank account.
Take Home Salary Calculation Example
Consider an employee receiving a gross monthly salary of ₹80,000. The deductions below are illustrative payroll figures, not a universal EPF rate or an income-tax estimate.
₹80,000 gross salary − ₹9,000 total deductions = ₹71,000.
Example limitation: The EPF, professional tax and TDS amounts are assumed values for demonstrating the arithmetic. Your actual deductions may differ based on your PF wage base, state, salary package, tax regime, annual taxable income and payroll records.
What Components Affect Your Take Home Salary?
Gross salary and employee deductions are the main components of an in-hand salary calculation. Understanding each part makes it easier to check a payslip or review a new job offer.
| Salary component | Effect on take-home pay |
|---|---|
| Basic salary | A core salary component that may determine the calculation base for PF contributions and certain other employment benefits. |
| House Rent Allowance (HRA) | May form part of gross cash salary. Its income-tax treatment depends on the applicable tax regime and eligibility rules. |
| Dearness allowance | Where applicable, it may form part of salary and may affect relevant statutory contribution calculations. |
| Other allowances | Special, travel, meal or other allowances may affect gross pay and taxable income according to their specific treatment. |
| Bonus and incentives | Can increase salary payments when payable, but may cause additional tax withholding or make monthly pay variable. |
| Employer PF and benefits | May be included in CTC rather than cash salary. Their inclusion in a package does not automatically mean they are deducted from the employee's stated gross salary. |
Gross Salary
Gross salary is the salary payable before employee-side payroll deductions. Its precise composition depends on the employer's salary structure and the period being calculated.
Cost to Company (CTC)
CTC represents the employer's stated total annual employment cost. It can include employer contributions, insurance, gratuity provisions and variable benefits that are not paid as monthly cash.
Common Deductions From Monthly Salary
Salary deductions vary according to employment terms, the employee's remuneration, state requirements and applicable law. Not every deduction applies to every employee.
Employee Provident Fund (EPF)
EPF is a retirement savings contribution deducted from eligible employees' wages under the applicable scheme. The employee contribution is commonly 12% of applicable PF wages, although rates, coverage and the contribution base depend on the relevant scheme rules and circumstances.
Tax Deducted at Source (TDS)
Employers generally withhold income tax from salary based on estimated annual tax liability and the applicable tax rules. TDS depends on taxable income, the selected tax regime, eligible deductions and other relevant details.
Professional Tax
Some states and union territories levy professional tax on eligible employees. The applicable amount and collection frequency depend on the location and the relevant state rules.
Employee State Insurance (ESI)
Eligible employees covered by the ESI scheme may have an employee contribution deducted from their wages. Coverage, contribution rates and applicable wage limits should be checked under the current scheme rules.
Voluntary and Other Deductions
Voluntary retirement contributions, insurance premiums, employee loan instalments, salary advances and other authorised recoveries can also reduce the amount credited to an employee's account.
Employer Contributions
Employer-funded PF, pension contributions, group insurance and gratuity provisions may form part of CTC. Whether they affect the cash salary calculation depends on how the employer's salary package is structured.
EPF update: The mandatory EPFO coverage wage ceiling was increased from ₹15,000 to ₹25,000 per month with effect from 17 September 2026. This is a coverage threshold; it does not automatically determine the PF contribution base for every existing member. Actual deductions depend on the employee's coverage, applicable scheme provisions and payroll arrangement.
How Income Tax Affects Your Take Home Salary
Income tax is often one of the most significant factors affecting monthly in-hand pay. Employers estimate the employee's annual tax liability and generally deduct TDS from salary during the applicable tax year.
Your tax liability is based on taxable income rather than simply multiplying your monthly gross salary by a single tax percentage. The calculation can consider annual salary, eligible deductions and exemptions, other taxable income, applicable rebates and the chosen tax regime.
India has new and old tax-regime rules, with different treatment of specified deductions and exemptions. A salary package that includes HRA, retirement contributions or eligible investments may therefore produce a different tax outcome depending on the regime and the employee's circumstances.
New Tax Regime
The new regime applies its own income-tax slabs and permits only the deductions and exemptions available under its rules. Eligibility for applicable rebates and other relief must also be considered.
Old Tax Regime
The old regime has different tax slabs and may permit specified deductions and exemptions when the employee satisfies the relevant conditions. Compare both regimes using your actual annual details.
Current tax-year guidance: From 1 April 2026, the Income-tax Act, 2025 uses the term "Tax Year" for the corresponding twelve-month financial-year period. Salary paid from April 2026 onward is subject to the applicable rules for Tax Year 2026–27. Use the current tax provisions and your actual payroll or tax-estimator figures when estimating TDS.
For a useful take-home estimate, avoid entering an arbitrary tax percentage when your calculator supports a direct TDS amount or annual tax estimate. The amount withheld by an employer is a payroll deduction and may differ from the final tax payable after the annual tax return is filed.
How to Calculate Take Home Salary Online
Follow these steps to estimate your monthly in-hand salary using the Take Home Salary Calculator.
Enter Your Salary Details
Start with the salary figure requested by the calculator. Determine whether you are entering annual CTC, annual gross salary or monthly gross salary so that the result uses the correct starting point.
Review Employee Contributions
Enter the applicable employee EPF contribution and other statutory deductions using your salary structure or payslip. Do not assume that the same contribution amount applies to every employee.
Account for Income Tax
Include the relevant monthly TDS or estimated tax amount. Consider your tax regime, expected annual income and eligible deductions before relying on the estimate.
Check Your Net Salary
Review the calculated in-hand amount and compare it with your salary slip or offer letter. Investigate differences caused by employer benefits, variable pay, payroll timing or other deductions.
Take Home Salary vs Gross Salary vs CTC
These terms describe different figures in an employment package. Understanding the difference helps you compare offers and budget from your actual expected cash income.
| Term | Meaning | Main use |
|---|---|---|
| CTC | Total stated annual employment cost, potentially including employer-funded benefits and variable compensation. | Evaluating the overall compensation package. |
| Gross salary | Salary payable before employee payroll deductions, based on the salary components and period being considered. | Understanding earnings before deductions. |
| Take-home salary | The amount remaining after applicable employee deductions and tax withholding are accounted for. | Planning monthly expenses and cash flow. |
For example, a ₹12 lakh annual CTC does not necessarily mean ₹1 lakh will be deposited into your bank account every month. Employer contributions, insurance, variable pay, gratuity provisions, employee deductions and income tax can all affect the actual payout.
What Can Change Your Monthly In-Hand Salary?
Your take-home pay may change even when your annual CTC remains unchanged. Several elements of payroll and taxation can affect the amount received each month.
- Salary structure: The balance between basic salary, allowances, reimbursements and variable compensation influences cash pay and the calculation of certain employee benefits.
- Provident fund contributions: Your applicable PF wage base, membership status, contribution arrangements and statutory requirements can change the employee contribution deducted from salary.
- Tax regime and taxable income: The selected tax regime, annual income, eligible relief and applicable tax rules influence the amount of TDS deducted.
- State-specific deductions: Professional tax and other state-level payroll requirements can differ according to the location and relevant rules.
- Variable salary and bonuses: Incentives, commissions, bonuses and unpaid leave adjustments may cause actual monthly pay to differ from the average salary stated in an offer.
- Voluntary deductions and recoveries: Optional contributions, loans, advances, insurance and other authorised recoveries can reduce the amount credited to your account.
Practical tip: Use your most recent payslip to verify actual deductions whenever possible. For a new job offer, request a detailed salary breakup and estimated monthly payroll statement instead of relying on the headline CTC alone.
Frequently Asked Questions About Take Home Salary
Find answers to common questions about in-hand salary, payroll deductions, income tax and the difference between gross pay and CTC.
1. What is take-home salary?
Take-home salary is the amount an employee receives after applicable employee-side payroll deductions and income-tax withholding are subtracted from the relevant salary figure. It is commonly called in-hand salary or net salary.
2. How do I calculate my monthly take-home salary?
Start with your gross monthly salary and subtract employee EPF contributions, applicable TDS, professional tax, ESI contributions where applicable, and other payroll deductions. If you start with annual CTC, first identify the actual gross cash salary applicable to the period.
3. Is take-home salary the same as gross salary?
No. Gross salary is calculated before employee payroll deductions, while take-home salary is the remaining amount after those deductions and tax withholding. The difference depends on the employee's salary structure and circumstances.
4. Why is my take-home salary lower than my CTC?
CTC may include employer PF contributions, insurance, gratuity provisions, benefits and variable compensation. Your monthly bank credit reflects the cash salary payable for that period, less applicable employee deductions and tax withholding.
5. Does EPF reduce take-home salary?
Yes. An employee's EPF contribution is generally deducted from eligible wages for covered employment, reducing the amount available as monthly cash pay. The contribution base and rate depend on applicable scheme provisions and payroll arrangements. Employer contributions are a separate matter.
6. Is professional tax deducted from every employee's salary?
No. Professional tax depends on the state or union territory and the rules applicable to the employee. Some locations levy it while others do not. Where applicable, the deduction can depend on salary and the relevant state provisions.
7. Does the new tax regime affect in-hand salary?
Yes. The tax regime can change annual income-tax liability and therefore the TDS withheld from salary. The outcome depends on total taxable income, applicable slabs, eligible deductions and exemptions, and other relevant circumstances.
8. Can my monthly take-home salary change during the year?
Yes. Salary revisions, bonuses, unpaid leave, changes in statutory deductions, tax declarations, revised TDS and other payroll adjustments can change the amount credited in different months.
9. Is an online take-home salary calculation exact?
It is an estimate based on the values and calculation rules used by the tool. The final amount can differ because of payroll-specific benefits, actual tax withholding, rounding, adjustments, statutory requirements and employer policies.
10. How can I increase my take-home salary?
Review your salary breakup, understand your PF and other deductions, verify the tax regime suitable for your circumstances, and check whether any payroll deductions or declarations require correction. Employer contributions and statutory deductions should not be changed contrary to applicable rules.