Enter your annual CTC to see an estimated monthly take-home — including EPF, gratuity, professional tax, and income tax.
Drives PF and gratuity — most CTCs land 30-50%.
Section 87A rebate applied — your taxable income is low enough that income tax is zero under the new regime.
Rough estimate only — assumes Basic drives PF/gratuity, a flat ≈₹200/month professional tax, and (for the old regime) that you actually claim the deductions you enter. Your actual in-hand depends on your employer's exact salary structure.
Common salary figures with the in-hand breakdown already worked out.
In-hand (take-home) salary is your CTC minus the employer's PF contribution and gratuity provision (neither reaches your bank account), then minus income tax, your own employee PF contribution, and professional tax. CTC typically overstates what you actually receive by 20-30%.
CTC (Cost to Company) bundles in costs the employer bears but you never receive directly — the employer's PF contribution, gratuity provision, and sometimes insurance premiums. Your own PF contribution and income tax are also deducted before the remainder hits your account.
The new regime usually gives a higher in-hand salary for most salaried employees because of wider tax slabs and a higher rebate threshold, unless you have large old-regime deductions (HRA, 80C, home loan interest) that push the old regime ahead. Use the calculator above to compare both against your own numbers.
This tool models a simplified, directional estimate — it doesn't know your exact Basic/HRA/allowance split or itemized old-regime exemptions. For the old regime, enter your total claimable deductions (80C, 80D, HRA, etc.) as a single figure. Your actual payslip will differ based on your employer's exact salary structure.
Most Indian employers set Basic salary between 30-50% of CTC, commonly around 40%. Basic pay drives both PF contributions (12% of Basic from both employer and employee) and the gratuity provision, so a higher Basic percentage generally means lower in-hand salary but a larger retirement corpus.