Take-Home Salary Calculator
Calculate your monthly in-hand salary from CTC with all deductions. Results update instantly as you type.
Salary Details
₹
Your total cost to company per year%
% of CTC included as variable/bonus💰
Enter your CTC to calculate take-home salary
About Take-Home Salary Calculator
Take-home salary (also called in-hand salary) is the net amount credited to your bank account after all deductions like PF, professional tax, and income tax are subtracted from your gross salary.
CTC vs Take-Home
CTC (Cost to Company) includes all expenses borne by the employer — basic salary, HRA, allowances, EPF employer contribution, and gratuity. Take-home salary is significantly lower due to deductions from both employee and employer side.
Major Deductions
- EPF: 12% of basic salary (employee contribution)
- Professional Tax: Up to ₹2,400/year (state-wise)
- Income Tax / TDS: As per applicable slab rate
- Gratuity: 4.81% of basic (employer contribution, part of CTC)
How to Increase Take-Home
- Choose the tax regime (new/old) that results in lower tax.
- Claim HRA exemption if you pay rent.
- Invest in 80C instruments (PPF, ELSS) under old regime.
- Opt out of EPF if salary is above threshold (check eligibility).