How this calculation works
This calculator uses: In-Hand = CTC − Employee PF − Income Tax − Professional Tax. Enter your values above to get an immediate result. Results are rounded for readability.
Using the take-home salary calculator
Start by entering values in the units shown. The result updates immediately, and the shareable link preserves your inputs without creating a separate indexable page. Use this as a clear estimate and check important assumptions before relying on it.
Common questions
Why is in-hand salary less than CTC?
CTC (Cost to Company) includes your salary PLUS employer contributions like PF (12% of basic), gratuity, health insurance etc., that you don't receive directly in hand. Employee PF, income tax, and professional tax are also deducted from what remains.
How can I increase my monthly in-hand salary?
Choose the tax regime that saves you more tax. Declare 80C investments (₹1.5L) and 80D (health insurance) under old regime. If your company allows, restructure CTC to include higher allowances (HRA, LTA, food coupons) which reduce taxable income.
What is professional tax?
Professional tax is a state-level tax on employed individuals, usually ₹200/month (₹2,400/year). Not all states levy it. Maharashtra, Karnataka, West Bengal, and Andhra Pradesh do. States like Delhi, Rajasthan, and Haryana do not charge it.
Is variable pay included in monthly in-hand?
Variable pay (bonuses, performance incentives) is part of CTC but paid separately (quarterly/annually) based on performance. This calculator shows only fixed monthly in-hand. Actual monthly pay may vary if you receive a variable component.