Salary Calculator
Estimate monthly and annual take-home salary from CTC with PF, professional tax, and income tax.
Cost to company per year including employer contributions.
New regime uses FY 2025-26 slabs with standard deduction. HRA and 80C are not modeled.
Optional — defaults to 40% of CTC if omitted.
Optional — defaults to 40% of basic if omitted.
Optional — balance of gross after basic, HRA, employer PF.
Optional — defaults to 12% of basic.
Optional — defaults to 12% of basic (part of CTC).
Optional — defaults to ₹2,400/year.
Insurance, NPS, loan repayments, etc.
Splits CTC into gross (basic + HRA + allowances), employer PF, and employee deductions (PF, professional tax, income tax under New Regime FY 2025-26). Variable pay, bonuses, ESOP, and perquisites are not included. Estimates only — actual salary slips may differ.
What is included in CTC?
CTC typically includes basic, HRA, allowances, employer PF/gratuity/insurance contributions, and variable components. This calculator models fixed components; bonuses are excluded.
How is income tax estimated?
Under the New Regime, tax is computed on gross salary minus standard deduction (₹75,000) using FY 2025-26 slabs and Section 87A rebate. Old regime deductions (80C, HRA) are not applied.
Why is take-home less than CTC?
CTC includes employer costs (e.g. employer PF) that never appear in your bank account. Employee PF, tax, and professional tax further reduce the cash you receive.
Can I override PF amounts?
Yes — enter custom employee and employer PF if your company uses different rates or caps PF on a wage ceiling (e.g. ₹15,000/month basic).
Is this my exact in-hand salary?
No. Actual payslips may include arrears, TDS adjustments, LWF, meal coupons, and other items. Use this for ballpark planning and compare with your offer letter.