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Salary tools

In-hand Salary Calculator

Enter your annual CTC to estimate your monthly take-home pay, after PF, professional tax, and income tax.

₹/ year

Breakdown (annual)

Basic salary₹4,80,000
HRA₹2,40,000
Special allowance₹4,58,400
Employer PF contribution−₹21,600
Employee PF contribution−₹21,600
Professional tax−₹2,400
Income tax + cess−₹0
Take-home
Monthly in-hand
₹96,200.00
Annual in-hand
₹11,54,400.00
Taxable income₹11,03,400
Total tax + cess₹0

Estimate based on new tax regime (FY 2025-26), standard 40% basic salary structure. Actual in-hand pay depends on your company's specific salary structure, deductions, and state PT rules.

Frequently asked questions

Is this calculator based on the old or new tax regime?

This calculator uses the new tax regime for FY 2025-26, which is now the default regime and offers zero tax up to ₹12 lakh taxable income after the Section 87A rebate.

Why is my actual in-hand salary different from this estimate?

Every company structures CTC differently — some include bonuses, ESOPs, or insurance premiums in CTC, while others don't. This calculator assumes a standard 40% basic salary structure, which is common but not universal.

What is professional tax?

Professional tax is a small state-level tax on salaried income, typically capped around ₹2,400/year, though the exact amount varies by state and a few states don't levy it at all.