Salary Calculator
Turn a CTC offer into the amount that actually reaches your bank account.
Enter your CTC and we will break it into every component, apply PF, professional tax and income tax under your chosen regime, and show what lands in your account each month.
CTC is not salary
Cost to company includes money that never reaches you: the employer's provident fund contribution, the gratuity provision, and sometimes insurance premiums. Subtract those and you get gross salary. Subtract your own PF, professional tax and income tax from that, and you finally get take-home pay. The gap between a headline CTC and monthly credit routinely surprises people by 25–30%.
Why basic salary matters more than it looks
Basic drives almost everything else. HRA is a percentage of basic. Provident fund is 12% of basic. Gratuity accrues on basic. A structure with a low basic gives you more cash today and a smaller retirement corpus; a high basic does the opposite. Most Indian employers set basic between 40% and 50% of CTC.
New regime or old regime
The new regime offers wider slabs and a larger standard deduction but disallows HRA exemption and most Chapter VI-A deductions. The old regime has narrower slabs but lets you claim HRA, 80C, 80D and more. If you pay significant rent and invest heavily under 80C, run the calculator both ways before choosing — the answer is genuinely personal.
The rebate under section 87A
Under the new regime, income up to the rebate threshold attracts no tax at all because the rebate wipes out the liability. Just above that threshold, marginal relief prevents a small increase in income from triggering a disproportionately large tax bill. This calculator applies both.
Professional tax varies by state
Maharashtra, Karnataka, West Bengal and several other states levy professional tax; Delhi, Haryana and UP do not. The default here is ₹2,400 a year. Set it to zero if your state does not charge it.