Salary Calculator
Turn an annual CTC into the number that actually reaches your bank account each month, with every component shown. Nothing is uploaded.
Most Indian employers use 40–50%. Your offer letter or payslip will say.
A state tax. ₹200 in most states, ₹0 in a few — check your payslip.
Take this from your payslip or Form 16. This tool does not guess it — see the question below on why.
| Component | Per year | Per month |
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How to use it
- Type the annual CTC from your offer letter or appraisal.
- Set what share of it is basic salary. Your payslip names the figure; 40–50% is the usual range.
- Pick metro or non-metro, and how your PF is set up.
- Put your monthly income tax from your payslip in the TDS box. Leave it at zero to see your take-home before tax.
- The numbers update as you type, and the table shows where every rupee of the package goes.
Why CTC and take-home are so far apart
CTC means cost to company — everything your employer spends on you in a year. Your take-home is what survives after the parts that never reach you and the parts that get deducted.
Two pieces leave before your payslip is even drawn. The employer's PF contribution is part of your CTC but goes into your provident fund account, not your bank account. Gratuity is set aside at roughly 4.81% of basic and is only paid out after five continuous years of service — leave earlier and most people never see it. What remains is your gross salary, the figure at the top of your payslip.
From that gross, three things are deducted: your own PF (another 12% of basic), professional tax (a small state levy, usually ₹200 a month), and income tax. What is left is the number you actually spend.
This is why a higher basic percentage lowers your monthly take-home. Basic drives both PF contributions and gratuity, so raising it moves money from your pocket into long-term savings. That is not necessarily bad — it is forced retirement saving with a good interest rate — but it does explain why two people on identical CTCs can take home noticeably different amounts.
Frequently asked questions
Why is my in-hand salary so much lower than my CTC?
Because CTC is what you cost the company, not what you are paid. Two large pieces never reach your bank account at all: the employer's PF contribution, which goes into your PF account, and gratuity, which you only receive after five years of service. Your own PF, professional tax and income tax are then deducted from what is left.
Why does this tool not calculate my income tax?
Because a wrong tax number is worse than no tax number. The slabs change with every Union Budget, the old and new regimes give different answers, and your actual TDS depends on the declarations and proofs you submit to your employer. Take the monthly TDS figure from your payslip or Form 16 and enter it, and the result will be right for you rather than right for an average nobody.
What percentage of CTC is usually basic salary?
Most Indian employers set basic at 40 to 50 percent of CTC. A higher basic means a larger PF contribution and a larger gratuity, so more of your money is locked away for later and your monthly take-home falls. A lower basic gives you more cash now and less forced saving.
Is my salary information sent anywhere?
No. Every figure stays in JavaScript inside your own browser. Nothing is uploaded and nothing is saved — close the tab and it is gone.