Calculate your take-home salary from CTC. Get instant breakdown of deductions, PF contributions, and professional tax to understand your actual in-hand salary.
Annual CTC package
Gross Salary = CTC - Bonus Amount
Total Monthly Deductions = Professional Tax + Employer PF + Employee PF + Additional Deductions
Total Annual Deductions = Total Monthly Deductions × 12
Take Home Salary = Gross Salary - Total Annual Deductions
Annual CTC
₹6,00,000
Bonus Amount
- ₹90,000
Gross Annual Salary
₹5,10,000
Total Monthly Deductions
- ₹3,800
Total Annual Deductions
- ₹45,600
Take Home Monthly Salary
₹38,700
Take Home Annual Salary
₹4,64,400
Get your take-home salary calculated in seconds with real-time updates as you adjust inputs.
See detailed bifurcation of all deductions including PF, professional tax, and custom deductions.
Understand the exact difference between your CTC and actual in-hand salary you receive.
View both monthly and annual salary breakdowns to plan your finances better.
Factor in bonus percentage or fixed amount to get accurate take-home calculations.
Compare multiple job offers by calculating take-home salary from different CTC packages.
CTC (Cost to Company) is the total amount a company spends on an employee annually, including salary, benefits, and perks. Take-home salary is the actual amount you receive after all deductions like PF, professional tax, and other contributions.
Basic salary typically forms 40-50% of the CTC. It is the fixed component paid before any allowances or deductions. The exact percentage varies by company policy and industry standards.
Common deductions include Employee Provident Fund (EPF), Professional Tax, Income Tax (TDS), Health Insurance premiums, and any other statutory or voluntary deductions specified by the employer.
Employee Provident Fund (EPF) is a retirement savings scheme. Typically, 12% of basic salary is deducted from employee salary, and the employer contributes an equal amount. The calculation is capped at ₹15,000 basic salary per month.
Professional tax is a state-level employment tax levied on salaried individuals. The amount varies by state, with a maximum cap of ₹2,500 per year. It depends on your monthly salary slab as per state regulations.
Bonuses are typically part of CTC but not included in monthly take-home salary. They are usually paid separately as performance bonuses, annual bonuses, or festival bonuses as per company policy.
This calculator provides accurate estimates based on the inputs you provide. However, actual take-home may vary slightly due to company-specific policies, state-specific professional tax rates, and other factors.
Yes! This calculator is perfect for comparing different job offers. Enter the CTC and deduction details for each offer to see which one gives you better take-home salary.
Additional deductions can include health insurance premiums, meal coupons, transport allowances, loan repayments, or any other company-specific or voluntary deductions beyond statutory requirements.
Recalculate when you get a salary hike, change jobs, when professional tax rates change in your state, or when your deductions change due to policy updates or personal choices like increasing PF contribution.
Request a detailed salary breakup from HR showing all components like basic, HRA, special allowance, and deductions to understand where your money goes.
Utilize all available tax deductions under sections 80C, 80D, and HRA to reduce taxable income and increase take-home salary legally.
Don't just compare CTC. Always calculate take-home salary considering all deductions, benefits, and perks to make informed career decisions.
While EPF is mandatory for basic salary up to ₹15,000, voluntary PF contributions above this can help build a strong retirement corpus.
Always create your monthly budget based on take-home salary, not CTC. This ensures realistic financial planning and avoids overspending.
Review your salary structure annually, especially after increments or policy changes, to ensure you're getting optimal take-home pay.
Factor in employer benefits like health insurance, stock options, meal vouchers, and transport allowances when evaluating total compensation.