Free Tool — Take-Home Salary Calculator
Take-Home Salary Calculator
Enter your annual CTC to estimate your monthly in-hand salary after standard deductions.
Monthly take-home
₹45,000
Employee PF deducted
₹2,400
Annual take-home
₹5,40,000
Estimate based on typical PF and professional tax assumptions — actual take-home depends on your exact salary structure and any income tax TDS deducted.
What actually lands in your account each month
CTC (Cost to Company) is rarely the amount that lands in a bank account. Provident fund contributions, professional tax and other deductions come out before salary is paid, and the gap between CTC and in-hand pay surprises a lot of new hires — and a lot of owners budgeting for a new role.
This calculator gives a quick estimate of monthly take-home pay from an annual CTC figure, using typical PF and professional tax assumptions. Actual numbers depend on your specific salary structure (basic, HRA, allowances) and company policy, so treat this as a planning estimate rather than a payslip.
Take-home salary calculator FAQs
CTC is the total cost an employer bears for an employee, including basic pay, allowances, employer's PF contribution and other benefits. Take-home salary is what actually gets paid into the employee's bank account each month, after deductions like employee PF contribution, professional tax and income tax (if applicable).
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