Take-Home Salary Calculator
Enter your CTC. Get your actual monthly in-hand, under both tax regimes, with the deductions shown line by line.
Total cost to company, as on your offer letter
Usually 40–50%. Check your salary structure.
Part of CTC but not paid monthly
For HRA exemption — old regime only
Old regime only. 80C caps at ₹1,50,000.
Two assumptions worth checking. Employer PF is taken as 12% of
basic and is part of your CTC but never reaches your bank account — it is
your money, just locked. Gratuity is excluded here because most people leave
before five years and never see it. If your offer letter lists it inside CTC,
your real in-hand is lower than the headline number suggests.
How this is worked out
CTC minus employer PF and bonus gives gross salary. Tax is computed on gross after the standard deduction, then employee PF and professional tax come out of the monthly payout. The new regime gives a ₹75,000 standard deduction and a full rebate up to ₹12,00,000 taxable income; the old regime gives ₹50,000 and lets you claim HRA, 80C and 80D instead.
- Why is my in-hand lower than this?
- Most often: gratuity or insurance premiums bundled into CTC, a higher basic than you entered, or variable pay being counted as monthly.
- Which regime should I pick?
- The calculator shows both. The old regime only wins when your rent and 80C/80D deductions are large. Below roughly ₹15L CTC with no rent, the new regime almost always wins.