Salary Calculator
Turn annual CTC into monthly in-hand pay after standard deductions.
Your result appears here
Fill in the fields on the left and press Calculate. The answer, the breakdown and a copy button all land in this card.
How it is calculated
Take-home = (CTC − bonus − employer PF) ÷ 12 − employee PF − professional tax − monthly income tax
Employer PF is part of CTC but never reaches your bank account, so it is removed from gross pay. Employee PF is deducted from your salary.
Worked example
On a ₹12,00,000 CTC with 40% basic, the employer and employee each contribute ₹57,600 a year to PF. After ₹60,000 income tax and ₹2,400 professional tax, take-home is ₹85,200 a month.
Questions people ask
CTC includes items you never receive as cash: the employer PF contribution, gratuity provision, insurance premiums and a bonus paid once a year.
No, both contributions sit in your PF account and earn interest. It is savings rather than an expense, just not spendable this month.
As accurate as the number you type in. Tax depends on your regime choice, deductions and exemptions, so use a tax estimate from your payroll team or a tax tool.