In-Hand Salary Calculator: CTC to Monthly Take-Home (New Regime)
Convert annual CTC into monthly in-hand salary after PF, professional tax and income tax.
In-Hand Salary Calculator (CTC to Take-Home)
Indicative estimate. Verify with official sources.
Optimise your salary structure
Restructure allowances, NPS and reimbursements for better take-home. We review your salary and file your ITR.
How take-home is estimated
CTC minus employer PF gives gross salary. Employee PF, professional tax and income tax (new regime with ₹75,000 standard deduction and 4% cess) are deducted to arrive at the annual and monthly in-hand amount.
Professional tax
Professional tax varies by state (Karnataka, Tamil Nadu, Kerala and others have their own schedules). Enter the annual amount deducted by your employer.
In-Hand Salary Calculator (CTC to Take-Home) FAQs
How is in-hand salary calculated from CTC?
Subtract employer PF, employee PF, professional tax and income tax from CTC. Other deductions like insurance or gratuity provisions vary by employer.
Is the new regime default for salaried employees?
Yes, unless you opt for the old regime.
Why is my take-home lower than expected?
Variable pay, employer contributions, tax and professional tax are common reasons. Review your salary structure.
More free tools
Related guides
Freelancer Tax Guide India: GST, ITR, Advance Tax and Foreign Clients
Tax obligations for freelancers and consultants, including export of services, LUT and presumptive taxation.
NRI Property Sale in Chennai: TDS, Capital Gains and Repatriation
Chennai flats and plots held by NRIs in the Gulf, US and Singapore are frequently sold, bringing TDS and repatriation questions.
Freelancers and Remote Workers in Bengaluru: ITR, GST and Advance Tax
Bengaluru's large freelancer and remote-work community mixes Indian and foreign clients.