Take-Home Salary Calculator

CTC includes costs you never see in your bank account: the employer's EPF contribution, gratuity provision, insurance premiums and any bonus or variable pay. From the remaining gross, your own EPF (12% of basic), professional tax and income tax (TDS) are deducted. In-hand is typically 70–85% of CTC ÷ 12.

Most companies set basic pay at 40–50% of CTC. A higher basic means more EPF (good for retirement, lower in-hand) and a larger HRA allowance; a lower basic does the reverse. This calculator lets you adjust the basic % to match your offer letter.

Under the new regime, salary income up to ₹12.75 lakh is effectively tax-free: the ₹75,000 standard deduction brings taxable income to ₹12 lakh, where the §87A rebate makes the tax nil. Your only deductions would be EPF and professional tax.

A small state-level tax on employment, capped at ₹2,500 per year (₹200–208 per month in most states that levy it). It's deducted by your employer and is itself deductible from taxable salary in the old regime.

Within the same CTC: pick the cheaper tax regime (this calculator compares both), restructure basic % if your employer allows flexible structures, and in the old regime use 80C, NPS and HRA claims to cut TDS. Reducing VPF contributions also raises in-hand at the cost of retirement savings.