See what actually lands in your bank each month. Enter your CTC and get a full breakup - PF, professional tax and income tax - for the old and new regimes.
| Component | Monthly | Yearly |
|---|---|---|
| Gross salary | ||
| (-) Employee PF | ||
| (-) Professional tax | ||
| (-) Income tax (TDS) | ||
| Take-home salary |
| Basic salary | ||
| Employer PF (in CTC, not paid to you) | ||
| Gratuity provision (in CTC) |
Your CTC (Cost to Company) is everything your employer spends on you in a year. But some of it never reaches your bank: the employer's PF contribution and a gratuity provision are part of CTC yet paid elsewhere. From the remaining gross salary, your own PF (12% of Basic), professional tax, and income tax (TDS) are deducted. What's left is your take-home.
This calculator assumes employer and employee PF at 12% of Basic, a gratuity provision of about 4.81% of Basic, the standard deduction (₹75,000 new / ₹50,000 old), and professional tax by state. Real structures vary - some firms cap PF, add allowances, or size Basic differently - so treat this as a close estimate and confirm with your payslip.
In-hand salary = Gross salary minus employee PF, professional tax and income tax (TDS). Gross salary is your CTC minus employer contributions like employer PF and gratuity, which are part of CTC but not paid to you monthly.
CTC includes costs your employer bears that you don't receive as cash - employer PF, gratuity provisioning and sometimes insurance - plus your own deductions (PF, professional tax, income tax). Typically in-hand is about 70-85% of CTC, lower at higher salaries.
It's a close estimate. Actual take-home depends on your company's exact salary structure, your declarations, and state rules. Use it as a strong guide, and confirm with your payslip or HR.
Read the guide: CTC vs in-hand salary: why your take-home is lower →
Last updated: August 2026. Estimate only; actual take-home depends on your employer's structure and declarations.