See how much of your CTC reaches your bank account each month.
Your yearly cost to company, as written on your offer letter.
Enter your annual CTC to see your in-hand salary.
Bonus or performance pay that is part of your CTC.
Your PF is worked out on Basic + DA. If your offer letter doesn't show it, 50% is a reasonable estimate.
Optional. Change these only if your offer letter says something different.
Charged by some states, up to ₹2,500 a year. Leave it at 0 if your state does not charge it.
Income tax: New tax regime, tax year 2026-27
CTC (cost to company) is the total amount your employer expects to spend on you in a year. It is the figure on your offer letter, but it is not the money that reaches your bank account each month: part of it may be paid only once a year, and part of it never reaches you as salary at all.
A few things can sit between your CTC and your monthly pay. The employer's PF contribution, and a gratuity provision if your CTC includes one, are counted inside CTC but go to your PF account or are set aside for later. Variable pay or a bonus may be paid only once or twice a year. From the salary that is paid each month, your own PF, professional tax (in states that charge it) and income tax are then deducted. Not every salary has all of these, and the calculator includes only the ones that apply to your inputs.
It starts with your annual CTC and takes out the parts that are not paid as monthly salary: variable pay, the employer's PF and, if you include it, gratuity. What remains is your gross salary. Your PF and professional tax are deducted, income tax is worked out under the new tax regime, and the rest is your take-home, shown for a regular month and for the whole year.
Your exact take-home depends on your salary structure, which a CTC figure alone does not show. The calculator estimates Basic + DA unless you enter it, counts the employer's PF as part of CTC, treats variable pay as a yearly amount, uses the professional tax you enter, and works out tax under the current new tax regime. Set these to match your offer letter for the closest figure; your payslip has the final numbers.
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CTC is the total your employer spends on you in a year, including parts that are not paid as monthly salary. In-hand salary is what reaches your bank account each month after those parts are set aside and your own PF, professional tax and income tax are deducted.
Take out variable pay, the employer's PF and any gratuity from your CTC to get your gross salary. Deduct your PF, professional tax and income tax, then divide what is left by 12 for a regular month.
Often, yes. Most offer letters count the employer's PF contribution inside CTC, and some include a gratuity provision as well. Neither is paid to you as monthly salary. The calculator counts the employer's PF as part of CTC and lets you choose whether your CTC includes gratuity.
Yes. Income tax is worked out under the new tax regime, the default for salaried people, including the standard deduction, rebate and cess. It is shown spread evenly over the year, as TDS usually is.
Because CTC includes money that is not paid to you as monthly salary, such as the employer's PF, gratuity and variable pay, and because your own PF, professional tax and income tax are deducted from the salary that is paid.
It follows current PF and income tax rules and shows every step, but it is an estimate: your real take-home depends on your exact salary structure. Enter your Basic + DA, variable pay and professional tax from your offer letter for the closest result.