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Convert your annual Cost to Company (CTC) into a realistic monthly take-home salary, with a component-wise breakup of basic pay, allowances, provident fund, professional tax and estimated income tax.
Results are estimates for planning. For exact figures specific to your situation, speak with our Chartered Accountants.
Actual take-home also depends on your income tax — use our Income Tax Calculator tool for that part. This calculator gives an estimate only and is not a substitute for professional advice — talk to our team for exact figures specific to your situation.
Your CTC includes everything the employer spends on you — including amounts you do not receive in hand. Take-home salary is calculated as:
In-hand salary = Gross salary − Employee PF − Professional tax − Income tax (TDS)
Gross salary itself excludes employer-side costs such as the employer’s PF contribution, gratuity provision and insurance premiums. That is why in-hand pay is usually noticeably lower than CTC ÷ 12.
Have a question about your own case? Call us on +91-141-3012220.
CTC includes employer PF, gratuity, insurance and variable pay, and your salary is reduced by employee PF, professional tax and TDS. The calculator shows each of these.
A higher basic increases PF deductions (and gratuity), which lowers monthly take-home but increases long-term savings.
No. Professional tax is levied by states and varies, and some states do not levy it.
Choose the right regime and, under the old regime, submit investment declarations such as 80C, 80D and HRA to your employer.
Salaried Individuals
Salaried Individuals
Salaried Individuals
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Calculators give estimates only. Our CAs can compute your exact tax and compliance position.