Salary Calculator

Actual in-hand varies by employer structure, HRA, and deductions claimed.

Our salary calculator India converts your CTC (Cost to Company) to in-hand take-home salary after all deductions. The gap between CTC and in-hand is often surprising — a ₹12 lakh CTC typically gives only ₹75,000–₹80,000 per month after PF, income tax, and professional tax deductions.

Key deductions: Employee PF (12% of basic), Income Tax (applicable slab), Professional Tax (₹200/month), and any ESI. Some companies also deduct for group health insurance or NPS. Our in-hand salary calculator accounts for all standard deductions under both old and new tax regimes.

To maximise take-home: restructure salary to include HRA, maximise LTA reimbursement, opt for meal allowance (tax-exempt up to ₹2,200/month), and claim 80C deductions under old regime. Each rupee of deduction at 30% bracket saves ₹0.30 in tax.