Loading calculator…
Convert CTC to in-hand monthly salary.
We'll instantly compare both tax regimes and show which saves you more.
Indicative result — final figures may differ based on specific facts.
Your result will appear here
Fill in the form on the left and we'll compute your numbers instantly.
Indicative results — final figures may differ based on specific facts and recent amendments. Contact us for a tailored review.
Schedule a 15-minute consultation. We'll walk through your inputs and confirm the result.
Step by step
Fill in the fields with your actual numbers. Sensible defaults are provided.
Detailed methodology
The exact formula, statutory references and edge-cases used to compute your result. Click any card to see the relevant sub-section of the Income Tax Act, 1961.
CTC (Cost to Company) includes Basic + HRA + Special Allowance + Conveyance + Medical + LTA + other allowances + employer's PF contribution + gratuity provision + insurance + bonuses. Take-home is CTC minus statutory deductions and taxes.
People who use Payroll / In-hand Salary Calculator often find these helpful next.
The result is computed instantly using current rates and standard formulas.
See the breakdown and any recommendations. Save or share via email if needed.
For personalized advice, schedule a 15-minute consultation with our team.
Want the math? See Detailed methodology further down this page.
What we assume
What these numbers can and can't tell you.
Percentages, slabs, and the FY 2025-26 numbers we use.
Sections, eligibility, and stacking rules.
Heads up. For situations involving international income, business income, or capital gains, always cross-check with a qualified Chartered Accountant before acting on these numbers.
Employee PF = 12% of basic salary, capped at ₹21,600 per year (basic salary cap of ₹15,000 × 12% × 12 months). Employer PF = 12% (3.67% to EPF + 8.33% to EPS for employees earning basic ≤ ₹15,000). Voluntary PF (VPF) over and above 12% is allowed.
Gratuity provision is built in at 4.81% of basic salary (15/26 ÷ 12 months). This is the employer's estimated annual gratuity liability, payable only on retirement after 5 years of service.
Professional Tax is levied by state governments on salaried employees. Karnataka: ₹200/month. Maharashtra: ₹200 (₹2,500 in February). Tamil Nadu: ₹208. Telangana: NIL (abolished in 2015). Andhra Pradesh: NIL.
Monthly take-home = (CTC ÷ 12) − (Employee PF + Professional Tax + TDS). TDS is computed per Section 192 based on estimated annual salary and chosen regime. TDS revision happens quarterly.
Every situation has nuances this calculator can't model. Schedule a 15-minute call and we'll walk you through what the numbers mean for your case.
Still have questions?
Reach us by phone, WhatsApp, or send a quick message — we usually reply within a few hours.
