Input style
Take Home Salary Calculator
Convert CTC into fixed salary and monthly in-hand pay
Enter your annual CTC, variable pay, employee PF, gratuity and other components. The calculator derives fixed salary first, estimates matching employer PF, then applies the current FY income tax logic to estimate monthly take-home under old and new regime.
CTC breakup based
Current FY tax logic
Old vs New regime
Tax logic
Shared with income tax
Best for
Offer evaluation
Enter salary breakup inputs
Use annual INR values unless PF is entered monthly.
How this works
- Fixed salary = Total CTC minus variable pay, estimated employer PF, gratuity and other components.
- Monthly take-home uses employee PF and professional tax as deductions from fixed salary.
- Old regime tax can also include a manual deduction amount after you estimate eligible values from the HRA and Section 80C calculators.
- Monthly take-home is estimated as annual fixed salary after tax divided by 12.
What to keep in mind
- This estimate assumes the derived fixed salary is taxable salary income for the selected financial year.
- Employee PF reduces take-home in both regimes. The old-regime tax base can also be reduced by the additional manual deduction field.
- Professional tax is deducted from take-home as a payroll outflow. Default is Rs 200 per month unless you change it.
- HRA, deductions, bonuses beyond the variable component, and reimbursements are not included on this page.
- Use the full income tax calculator if you need a more detailed deduction-led comparison.