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Tax Calculators

Take-Home Salary Calculator

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
₹
%
Verified formula Private

Monthly take-home

₹84,990

Gross salary
₹11,42,400
Employee PF
₹57,600
Income tax (new regime)
₹62,514
Annual take-home
₹10,19,886

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the Take-Home Salary Calculator

The Take-Home Salary Calculator works out your monthly take-home, along with 4 related figures in an instant. Enter annual ctc and basic as % of ctc and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the annual ctc.
  2. Enter the basic as % of ctc.
  3. Read off your monthly take-home, together with gross salary, employee pf and income tax (new regime) — the calculator updates automatically, with no button to press.

Worked example

For example, with annual ctc of ₹1,200,000 and basic as % of ctc of 4%, the monthly take-home is ₹84,990.

Inputs used
Annual CTC ₹1,200,000
Basic as % of CTC 4%
Results
Gross salary ₹11,42,400
Employee PF ₹57,600
Income tax (new regime) ₹62,514
Annual take-home ₹10,19,886
Monthly take-home ₹84,990

Results are estimates for educational use, not professional advice.

Frequently asked questions

From your CTC we remove the employer PF to get gross salary, then deduct employee PF (12% of basic), professional tax and new-regime income tax (after the ₹75,000 standard deduction and 4% cess) to arrive at your in-hand pay.

It assumes the new tax regime, basic salary as the percentage of CTC you enter, PF at 12% of basic for both employer and employee, and professional tax of ₹2,400 a year. Actual structures vary by employer and state.

CTC includes employer contributions (like employer PF) and gross is reduced by your own deductions — PF, professional tax and income tax — so the amount credited to your bank is meaningfully lower than CTC.

No. The new regime does not allow HRA or most exemptions. If you use the old regime with HRA and 80C deductions, your tax — and therefore take-home — can differ.

Enter the annual ctc. Enter the basic as % of ctc. Read off your monthly take-home, together with gross salary, employee pf and income tax (new regime) — the calculator updates automatically, with no button to press.

Income Tax in India: Old vs New Regime Explained

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