CalcAdda 107+ Tools

💰 Take-Home Salary Calculator India 2026

Convert your CTC to actual in-hand salary. Includes PF, Gratuity, Professional Tax, and Income Tax calculations (New vs Old Regime).

CTC to In-Hand PF & Gratuity New vs Old Regime Salary Breakup

Annual CTC

₹12,00,000

Monthly Take-Home

₹78,500

Total Deductions

₹21,500

📋 Salary Details

₹

Range: ₹3L - ₹50L per annum

%

Typically 40-50% of CTC

%

40% non-metro | 50% metro cities

Max 12% of Basic

Varies by state

Salary Breakup

Basic Salary₹ 0
HRA₹ 0
Special Allowance₹ 0
Employer PF₹ 0
Gratuity₹ 0
Total CTC₹ 0

Deductions

Employee PF

₹ 0

Professional Tax

₹ 0

Income Tax

₹ 0

Total Deductions

₹ 0

Annual Take-Home

₹ 0

after all deductions

Monthly In-Hand

₹ 0

credited to bank

Monthly Take-Home Breakdown

6060

*Monthly take-home may vary slightly due to tax calculations

This calculator assumes standard salary structure. Actual in-hand salary may vary based on company policies, reimbursements, and other factors.

📚 Understanding Your Salary Structure

CTC Components

  • Basic Salary: 40-50% of CTC, fully taxable
  • HRA: House Rent Allowance, partially exempt
  • Special Allowance: Fully taxable, balancing component
  • Employer PF: 12% of basic, not part of take-home
  • Gratuity: 4.81% of basic, paid after 5 years

Deductions

  • Employee PF: 12% of basic, deducted monthly
  • Professional Tax: State-wise, ₹200-2500/month
  • Income Tax: As per slab, TDS deducted

📐 How Take-Home Salary is Calculated

Your take-home salary = Gross Salary - (Employee PF + Professional Tax + Income Tax)

Example: CTC ₹12,00,000

  • Basic: ₹4,80,000 (40% of CTC)
  • HRA: ₹1,92,000 (40% of Basic)
  • Special Allowance: ₹3,78,000 (balancing figure)
  • Employer PF: ₹57,600 (12% of Basic)
  • Gratuity: ₹23,088 (4.81% of Basic)
  • Employee PF: ₹57,600 (deducted)
  • Professional Tax: ₹2,400 (₹200/month)
  • Income Tax: ~₹70,000 (as per slab)
  • Take-Home: ₹9,70,000/year ≈ ₹80,800/month

❓ Frequently Asked Questions

What is the difference between CTC and take-home salary?

CTC (Cost to Company) is the total amount your employer spends on you annually. It includes your basic salary, allowances, employer PF contribution, gratuity, bonus, etc. Take-home salary is what you actually receive after deductions like employee PF, professional tax, and income tax.

How is HRA calculated?

HRA is usually 40-50% of basic salary (40% for non-metro, 50% for metro cities). For tax exemption, the least of these is considered: 1) Actual HRA received, 2) Rent paid minus 10% of salary, 3) 50% of salary (metro) or 40% (non-metro).

Is PF deducted on full salary?

No, PF is deducted only on basic salary + dearness allowance, subject to a maximum of ₹15,000 per month for EPS contribution. Many companies restrict PF to basic salary only.

⚠️ Disclaimer: This calculator provides estimates. Actual tax liability depends on individual circumstances. Consult a tax professional for accurate calculations.

MonthGross SalaryDeductionsIn-Hand