Salary Calculator

What is a Salary Calculator?

A salary calculator converts your CTC (cost to company) into the in-hand salary that reaches your bank account each month, after the employer’s PF and gratuity costs, your PF contribution, professional tax and income tax.

Salary Calculator breaks a CTC offer into what actually reaches your bank account. CTC includes costs your employer pays on your behalf, such as their PF contribution and a gratuity provision, so take-home pay is always lower than CTC ÷ 12.

How does the Salary Calculator work?

In-hand pay is what remains of your CTC after the employer’s own PF and gratuity costs, your PF contribution, professional tax and income tax.

Gross = CTC − employer PF − gratuity provision
Taxable = Gross − ₹75,000 standard deduction
In-hand = Gross − employee PF − professional tax − income tax

How to use the Salary Calculator

1. Enter the annual ctc (anywhere from ₹1,00,000 to ₹10,00,00,000). Type it in the box or drag the slider.
2. Enter the basic as % of ctc (anywhere from 20% to 70%). Type it in the box or drag the slider.
3. Enter the professional tax (monthly) (anywhere from ₹0 to ₹300). Type it in the box or drag the slider.
4. Choose tax regime: New or Old.
5. Choose employer pf: 12% capped or 12% of basic or None.
6. Choose gratuity in ctc: Yes or No.
7. Read the monthly in-hand salary at the top of the results, then check the breakdown below it.
8. Change one input at a time to compare scenarios, and note how much each change moves the result.

Benefits of using the Salary Calculator

• Applies the current rules step by step, so you can see how the final figure is reached.
• Lets you test different amounts and options before you file, sign an offer or raise an invoice.
• Shows the breakdown, not just a single number, which makes it easier to check payslips, invoices or Form 16.
• Free, instant and private: nothing you enter is stored.

Mistakes to avoid with the Salary Calculator

The common mistake is dividing CTC by 12 and treating that as monthly take-home pay.

Compare monthly in-hand pay under both regimes with your real deductions entered.

Helpful checks before using the result

These checks make a salary more useful in practice.

• Start with a realistic base case rather than the first value that fits the range slider.
• Change one major assumption at a time so the effect stays easy to interpret.
• Use the result to compare scenarios, not as a final provider quote or guaranteed outcome.
• Verify rates, rules, and product terms separately before acting on the estimate.

Why in-hand salary is lower than CTC ÷ 12

Four deductions sit between CTC and take-home pay.

• Employer PF and gratuity provision are part of CTC but are not paid to you monthly.
• Your own PF contribution (usually 12% of basic) is deducted from gross salary.
• Professional tax, charged by most states, is up to ₹2,500 a year.
• Income tax is deducted every month as TDS, based on the regime you choose.

New vs old regime at a glance

FY 2026-27 rules used here.

Salary Calculator FAQs