Salary Calculator (CTC to In-Hand)

Payroll · Take-home

Salary calculator

Your numbers

Annual CTC (₹)

Basic salary (% of CTC)Basic drives PF & gratuity. Typically 40–50% of CTC.

Annual variable / bonus (₹)In CTC but excluded from monthly in-hand.

Professional tax (₹ / year)State-specific; Gujarat/Maharashtra ≈ ₹2,400/yr.

Estimated monthly in-hand

—

Gross salary (annual)—

− Employee PF (12% of basic)—

− Professional tax—

− Income tax (new regime)—

Net annual take-home—

Structure your salary tax-efficiently

Assumes employer PF is part of CTC and tax under the new regime (₹75k standard deduction), FY 2025–26. Excludes gratuity. Indicative only — consult a CA.