Tax
Salary / CTC Calculator
Break down CTC to in-hand monthly salary
Popular Calculators
Enter Details
₹
%
Results
Monthly Basic—
Monthly HRA—
PF Deduction (employee)—
Income Tax (monthly)—
Monthly In-Hand—
In-Hand
PF
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| ₹12L CTC, 40% basic, new regime, metro | In-hand: ~₹87,000/month |
| ₹20L CTC, 40% basic, new regime, metro | In-hand: ~₹1,35,000/month |
How It Works
Formula, methodology and key concepts explained
Your CTC (Cost to Company) ≠ your in-hand salary. Typical deductions: Employee PF (12% of basic), Professional Tax (₹200/month in most states), income tax, and sometimes NPS/VPF. This calculator gives a realistic estimate of your monthly take-home.
Pro Tips for Tax
Expert guidance to get the most out of your calculation
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Frequently Asked Questions
Common questions about Salary / CTC Calculator
- CTC (Cost to Company) includes all employer costs — your salary + employer PF contribution + gratuity provision + insurance. In-hand (take-home) = CTC minus employee PF (12% of basic), professional tax, and income tax.
- Professional tax is state-levied — ₹200/month in most states (Maharashtra, Karnataka, etc.), nil in Delhi/Rajasthan/Haryana. It caps at ₹2,500/year.
Key Numbers to Know
Benchmark figures for Tax planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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