In-Hand Salary Calculator
Estimate your monthly take-home salary after PF, Professional Tax, and Income Tax deductions.
Estimated Monthly Take-Home
₹0
Salary Takeaway:
EPF contribution shown is the employee's standard share (**12%** of basic salary). The employer contributes an equal share separately.
TDS is computed here using the default **New Tax Regime** (with a standard deduction of ₹75,000). Actual TDS might differ depending on user investment declarations.
How to Calculate In-Hand Take-Home Salary in India
Your CTC (Cost to Company) and actual monthly take-home salary can differ dramatically due to EPF deductions, professional tax, income tax (TDS), and various allowances. This calculator shows the exact breakdown.
Where:
- Gross Salary = Basic + HRA + Special Allowance + Other Allowances
- EPF Employee Contribution: 12% of Basic Salary (capped at ₹15,000 basic)
- Professional Tax: State-specific deduction, typically ₹200/month in most states
- TDS: Computed based on annual projected income and chosen tax regime
How to Calculate & Use this Tool:
Enter Annual CTC
Input your total cost-to-company package from your offer letter.
Define Basic Salary %
Basic salary is typically 40–60% of CTC. Higher basic means higher EPF deductions but more PF savings.
Add HRA Details
HRA is exempt from tax based on city of residence (50% for metros, 40% for non-metros).
Review Take-Home Breakdown
See your monthly in-hand salary after all deductions including EPF, PT, and TDS.
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