Salary Calculator — Calculate Your Monthly Take-Home Salary
Understanding your actual take-home salary is essential for financial planning, budgeting, and evaluating job offers. Your CTC on paper is very different from what lands in your bank account every month after PF, Professional Tax, and Income Tax deductions. This free salary calculator breaks down your CTC into a detailed salary structure and shows you exactly how much you will take home — instantly, right in your browser.
Salary Details
₹6,00,000 per year
Varies by state. Common: ₹200 (Karnataka, Maharashtra), ₹0 (some states)
Please enter a valid CTC to see your salary breakup.
Salary Period Converter
| Pay Period | Amount |
|---|---|
| Annual (Per Year) | ₹6,00,000 |
| Monthly (Per Month) | ₹50,000 |
| Weekly (Per Week) | ₹11,538 |
| Daily (Per Day) | ₹2,308 |
| Hourly (Per Hour) | ₹288 |
How to Use This Salary Calculator
- Enter your Annual CTC — the total package offered by your employer
- Select your employment type — Salaried Private, Salaried Government, or Self Employed
- Choose your PF contribution preference (salaried employees only)
- Enter your state's Professional Tax amount per month (salaried employees only)
- Add any other monthly deductions like health insurance or loan EMIs
- Your complete salary breakup and monthly take-home appear instantly
Understanding Your Salary Breakup
Basic Salary
Typically 40–50% of CTC. This is the foundation of your salary structure. PF is calculated on basic salary, so higher basic means higher PF savings but also higher PF deduction.
HRA (House Rent Allowance)
Usually 50% of basic for metro cities. Can be partially or fully tax-exempt if you pay rent and submit proof to your employer.
Special Allowance
The remaining component after basic, HRA, and other fixed components. Fully taxable with no exemption available under the new tax regime.
Gross Salary
Total of all earnings before deductions. Equal to CTC minus the employer's PF contribution (which is included in CTC but goes directly to your EPF account).
Employee PF
12% of basic salary deducted from your salary and deposited in your EPF account. It is your own money and accumulates with interest.
Professional Tax
State-level tax deducted monthly. Varies by state — ₹200/month in Karnataka and Maharashtra, ₹0 in Delhi and some other states. Maximum capped at ₹2,500/year.
Income Tax (TDS)
Tax deducted at source based on your estimated annual tax liability. Calculated using the new tax regime slabs for FY 2025-26 with a standard deduction of ₹75,000.
Net Take-Home
What you actually receive in your bank account every month after all deductions. This is the number that matters for budgeting and financial planning.
CTC vs Gross Salary vs Take-Home — What is the Difference?
CTC is the total cost to the company including employer PF and other benefits — it is always the highest number. Gross salary is what you earn before personal deductions — CTC minus the employer's PF contribution. Take-home or in-hand salary is what you actually receive after all deductions including employee PF, professional tax, and income tax. For most employees in India, take-home salary is approximately 70–80% of CTC depending on the salary level and applicable deductions. Higher salary packages generally have a lower take-home percentage due to higher income tax slabs.
Income Tax Slabs Used (New Regime FY 2025-26)
| Income Slab | Tax Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Health & Education Cess of 4% is added to the calculated income tax. Standard deduction of ₹75,000 is available. Income up to ₹12 lakh pays zero tax under Section 87A rebate.
Key Features of This Calculator
- Real-time salary breakup as you type — no calculate button needed
- Detailed earnings and deductions table with annual and monthly columns
- Visual doughnut chart showing salary component split
- Salary period converter — annual to monthly, weekly, daily, and hourly
- Effective tax rate, monthly PF, and annual tax stat row
- Supports salaried (private and government) and self-employed income types
- Copy result to clipboard in one click
- Works on all devices including mobile
- Completely free — no signup, no account needed
Privacy Notice
This salary calculator runs entirely in your browser. No salary data or personal information you enter is sent to any server or stored anywhere. Your financial information remains completely private.
Frequently Asked Questions
How is take-home salary calculated?
Take-home salary is calculated by subtracting all deductions from your gross salary. Deductions include Employee PF (12% of basic), Professional Tax, Income Tax based on applicable slabs, and any other deductions like health insurance or loan EMIs.
What is CTC and how is it different from take-home salary?
CTC or Cost to Company is the total amount a company spends on an employee annually including employer PF contributions and benefits. Take-home salary is what you actually receive after all deductions. CTC is always higher than take-home salary.
What percentage of CTC is take-home salary?
For most salaried employees in India, take-home salary is typically 70–80% of CTC depending on the CTC amount, applicable tax slab, PF deductions, and professional tax. Higher CTC packages have higher tax deductions reducing the take-home percentage.
Is PF deduction mandatory?
PF deduction is mandatory for employees earning up to ₹15,000 per month basic salary. For employees above this threshold, PF contribution is optional though many companies continue it regardless of salary level.
What is professional tax and who pays it?
Professional Tax is a state-level tax deducted from salary. It is ₹200 per month in Karnataka and Maharashtra while some states like Delhi do not levy it at all. The maximum is capped at ₹2,500 per year.
Which income tax regime does this calculator use?
This calculator uses the New Tax Regime slabs for FY 2025-26 which is now the default regime in India. The new regime offers lower tax rates without most exemptions and deductions.
Is this salary calculator free?
Yes, completely free. No account, no signup, and no payment required. The calculator runs entirely in your browser.
How accurate is this salary calculator?
This calculator provides accurate estimates based on standard Indian salary structures and current tax slabs. Actual take-home may vary slightly depending on your specific salary structure, company policies, and applicable exemptions. For precise calculations consult your HR or a tax professional.
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