Take-Home Salary Calculator
Combine the structural CTC breakdown — basic pay, employer PF, gratuity accrual, employee PF and professional tax — with an estimated income tax deduction to see the amount that actually lands in your bank account every month.
Fill in the form and select "Calculate" to see your results here.
What is the Take-Home Salary Calculator?
This calculator shows the amount that actually reaches your bank account each month, starting from your annual CTC. It combines two things that neither of its sibling calculators does on its own: the structural CTC breakdown used by the Salary Calculator (CTC to In-Hand) — which stops at your net annual salary before tax — and an income tax estimate on top of that figure, using the same FY 2025-26 slab logic as the Income Tax Calculator, which instead starts from an already-known taxable income you'd have to work out yourself. Put together, this page takes you from a raw CTC figure all the way to a realistic monthly take-home number, with PF, gratuity accrual, professional tax and estimated income tax all accounted for along the way.
How to use this calculator
- Enter your annual CTC exactly as stated in your offer letter or appointment letter.
- Enter your basic salary as a percentage of CTC (check your salary structure or payslip — this typically ranges from 40% to 50%).
- Enter your employer's and your own PF contribution percentages (usually 12% of basic each) and your state's professional tax for the year (enter 0 if your state doesn't levy one).
- Select your tax regime — New or Old.
- If you selected the old regime, choose your age category and enter your Section 80C investments and any other eligible deductions (including any HRA exemption you've worked out separately).
- Select "Calculate Take-Home Salary" to see your monthly gross salary, estimated annual tax, and monthly and annual take-home pay.
Formula
Stage 1 mirrors the Salary Calculator (CTC to In-Hand) exactly. Stage 2 mirrors the Income Tax Calculator, applied to the Gross Annual Salary produced by Stage 1 rather than to a figure you'd have to look up yourself.
Example
Consider an annual CTC of ₹18,00,000, with basic salary set at 40% of CTC, employer and employee PF both at 12% of basic, professional tax of ₹2,400 for the year, and the new tax regime.
- Basic Salary = ₹18,00,000 × 40% = ₹7,20,000
- Employer PF = ₹7,20,000 × 12% = ₹86,400
- Gratuity Accrual = ₹7,20,000 × 4.81% = ₹34,632
- Gross Annual Salary = ₹18,00,000 − ₹86,400 − ₹34,632 = ₹16,78,968
- Employee PF = ₹7,20,000 × 12% = ₹86,400
- Net Annual (before tax) = ₹16,78,968 − ₹86,400 − ₹2,400 = ₹15,90,168
- Taxable Income = ₹16,78,968 − ₹75,000 standard deduction = ₹16,03,968
- Estimated annual tax (new regime, FY 2025-26 slabs and cess) = ₹1,25,625.34
- Net Annual Take-Home = ₹15,90,168 − ₹1,25,625.34 = ₹14,64,542.66
- Monthly Take-Home Salary = ₹14,64,542.66 ÷ 12 ≈ ₹1,22,045.22
So on a ₹18,00,000 CTC under the new regime, the actual monthly take-home works out to roughly ₹1,22,045 — well below the ₹1,50,000 a month that dividing the CTC by 12 might suggest, once employer PF, gratuity accrual, employee PF, professional tax and estimated income tax are all accounted for.
Factors that affect your take-home pay
- Gratuity accrual assumption. This calculator assumes a gratuity accrual of 4.81% of basic pay — the standard 15/26/12 approximation used across the industry. Your employer's actual accrual method may differ slightly.
- Other CTC components not modeled here. Some employers bundle health insurance premiums, meal cards, LTA or other benefits into CTC. This calculator only models basic pay, employer/employee PF, gratuity accrual and professional tax — if your CTC includes other components, your actual take-home pay may be somewhat lower than this estimate.
- HRA exemption isn't included automatically. The tax estimate here only applies the standard deduction (and, under the old regime, whatever you enter as Section 80C and Other Deductions). It does not work out an HRA exemption on its own — use the HRA Calculator to compute that separately, then add the result under "Other Deductions" if you're using the old regime.
- Surcharge marginal relief. Like the Income Tax Calculator, this estimate applies a flat surcharge slab rate for high incomes and does not smooth the marginal-relief band right at each surcharge threshold (₹50L, ₹1Cr, ₹2Cr, ₹5Cr).
- Regime choice. The old regime allows deductions like Section 80C and other eligible deductions but taxes income at different slab rates than the new regime — try both to see which produces a higher take-home figure for your numbers.
Frequently Asked Questions
The Salary Calculator (CTC to In-Hand) stops at your net annual salary before income tax — it only performs the structural CTC breakdown. This calculator takes that same breakdown and then also applies an estimated income tax deduction, based on the tax regime you choose, to show the amount that actually lands in your bank account each month.
No. HRA exemption depends on your rent paid, city of residence and basic salary, and isn't modeled here. Use the HRA Calculator to work out your exemption amount separately, then add it under "Other Deductions" if you select the old tax regime — the new regime does not allow an HRA exemption.
It depends on how much you can claim in deductions under the old regime relative to your income. This calculator lets you try both regimes on the same CTC figure, but for a full side-by-side comparison with a direct recommendation, use the Old vs New Tax Regime Calculator.
Several amounts are deducted along the way before your CTC becomes your take-home pay: your employer's PF contribution and gratuity accrual never reach your bank account, and your own PF contribution, professional tax and estimated income tax are all subtracted from what's left. Together these typically create a gap of 25-35% or more between CTC divided by 12 and your actual monthly take-home pay.
No. This calculator only models basic pay, employer and employee PF, gratuity accrual and professional tax on the CTC side, plus an income tax estimate on top. Some employers bundle additional items such as health insurance premiums, meal cards or LTA into CTC — if yours does, your actual take-home pay may differ somewhat from this estimate.
Related calculators
Tax calculations are estimates based on the selected financial year and the information entered. They do not account for every deduction, exemption, or edge case in the Income Tax Act, and are not a substitute for professional tax advice. Actual take-home pay depends on your employer's exact CTC structure and declared deductions. See our full disclaimer.