How is take-home calculated?

Start from CTC, remove employer PF (and similar cost heads), then subtract employee PF, professional tax if any, and estimated income tax.

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CTC to In-Hand Salary Calculator

Free CTC to in-hand salary calculator for India — estimate monthly take-home with new-regime tax, PF, and professional tax.

Last updated 2026-09-17 · FY 2026-27

Annual CTC₹Basic as % of CTC%Professional tax (monthly)₹Other monthly deductions₹

Professional tax varies by state. Leave at ₹0 if you do not know it — we will not invent a state table.

Estimated in-hand / month

₹90,400

Employee PF / month

₹4,800

Employer PF / month (in CTC, not take-home)

₹4,800

Monthly income tax (new regime)

₹0

How it works

Monthly gross ≈ CTC/12 − employer PF. In-hand ≈ monthly gross − employee PF − professional tax − monthly income tax − other deductions.

How to use this calculator

Enter the inputs shown above (amount, rate, tenure, income, or other fields).
Read the live results — they update as you type.
Check the formula, worked example, and assumptions on this page before you decide.

Formula

Monthly gross ≈ CTC/12 − employer PF. In-hand ≈ monthly gross − employee PF − professional tax − monthly income tax − other deductions.

Worked example

₹12 lakh CTC, 40% basic, new regime: employer PF is part of CTC but not take-home; tax uses the FY slab engine.

Reading the result

Treat the output as a planning figure. Compare it with your sanction letter, payslip, or GST invoice rather than treating it as a filing or a loan offer.

See also: calculation methodology and disclaimer.

Frequently asked questions

CTC is the employer’s total cost (often including employer PF and gratuity). Gross is usually CTC minus employer-only benefits. Net / in-hand is what hits the bank after PF, tax, and other deductions.

Assumptions and limits

New regime default. Old-regime HRA/80C are ignored here — use the income-tax calculator to compare.
Professional tax is not assumed. Enter your state amount or 0. We do not invent a state PT table.
Employer PF is treated as 12% of basic and subtracted from CTC before take-home.
Gratuity accruals, ESOP, and variable pay true-up are not modelled.

Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.

Sources

Income Tax Department

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