Find your real monthly take-home salary from your CTC — after PF, tax and other deductions.
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PF calculated on
Gratuity included in CTC?
How to use the salary calculator
1Type your CTCThe yearly cost-to-company from your offer letter.
2Set basic and PFAs written in your salary breakup.
3See in-handMonthly take-home and every deduction.
Questions people ask
Why is in-hand salary less than CTC ÷ 12?
CTC includes the employer’s PF and gratuity, which you don’t get monthly. Your own PF, professional tax and income tax are then deducted from your gross salary.
What basic % should I use?
Check your offer letter. Under the new labour codes many companies keep basic at about 50% of CTC; older offers often use 40%.
Is the tax exact?
It uses the new regime with the ₹75,000 standard deduction. If you choose the old regime or have other income, use our Income tax calculator.
How much is professional tax?
It depends on your state — up to ₹2,500 a year in most states, and nil in some (like Delhi and Haryana). Change the box to match.