What is the use of a take-home salary calculator?
It helps estimate how much of your CTC may convert into monthly in-hand pay after common deductions and payroll components.
Salary (Take-Home) Calculator
Calculate your take-home salary from CTC. See breakdown of EPF, professional tax, income tax, and net in-hand pay.
₹
₹
₹
Monthly In-hand₹1,40,985
Annual In-hand₹16,91,816
Income Tax₹27,952Effective rate: 1.6%
HRA Exemption₹0Not available in new regime
Monthly Take-home
Income Tax
Employee PF
Professional Tax
Salary Breakdown
Annual CTC₹18,00,000
Basic Salary₹7,20,000
HRA₹3,60,000
Special Allowance₹6,63,768
Employer PF provision₹21,600
Gratuity provision₹34,632
Gross salary for tax₹17,43,768
Income Tax₹27,952
Employee PF₹21,600
Professional Tax₹2,400
Annual In-hand₹16,91,816
Assumptions used here are deliberately practical: EPF is capped at ₹1,800 per month when the ₹15,000 wage ceiling is enabled, gratuity is estimated at 4.81% of basic pay, and HRA exemption is applied only in the old regime if you pay rent. The income tax estimate uses the selected regime plus the deductions you enter.
What this tool helps you estimate
This salary calculator helps employees estimate take-home pay from CTC after basic deductions such as EPF, professional tax, and income tax assumptions.
How to use this calculator
- Enter your CTC and salary assumptions.
- Review the expected deductions and net take-home estimate.
Disclaimer: This calculator provides estimates based on the information you enter. Actual values may vary. Tax laws and financial assumptions can change. Please consult a qualified professional before making financial decisions.
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