About this tool
Turn a CTC or salary scenario into an estimated take-home breakdown. Review payroll deductions and tax assumptions alongside the monthly figure, especially when the package contains benefits that are not paid as regular cash.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Annual CTC (Cost to Company) (₹); Basic Salary (% of CTC); Monthly Professional Tax (₹).
- PF Deduction Mode: choose from 12% Capped at ₹25,000 Wage Ceiling (₹3,000/mo); 12% Capped at ₹15,000 Wage Ceiling (₹1,800/mo); 12% of Full Basic Salary.
- Review Monthly Gross Salary; Monthly Employee PF; Monthly Income Tax (TDS) in the result breakdown.
Benefits
- Separate cash salary from deductions in the estimate.
- Compare two salary structures using consistent assumptions.
Who should use this tool?
- Employees comparing salary packages.
- Payroll teams checking an illustrative structure.
How to use
- Complete the labelled fields for your scenario, including Annual CTC (Cost to Company) (₹); Basic Salary (% of CTC); Monthly Professional Tax (₹). Use the units shown beside each field.
- Choose PF Deduction Mode to match the situation you want to check.
- Select Calculate / Run Tool and review Estimated Monthly In-Hand Salary and Monthly Gross Salary; Monthly Employee PF.
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| ₹12 Lakh CTC (₹25k PF Ceiling) | Annual CTC (Cost to Company) (₹): 1200000Basic Salary (% of CTC): 40PF Deduction Mode: 12% Capped at ₹25,000 Wage Ceiling (₹3,000/mo)Monthly Professional Tax (₹): 200 | ₹93,800 |
| ₹20 Lakh CTC (Full 12% Basic PF) | Annual CTC (Cost to Company) (₹): 2000000Basic Salary (% of CTC): 40PF Deduction Mode: 12% of Full Basic SalaryMonthly Professional Tax (₹): 200 | ₹1,36,097 |
Reference and processing
Income Tax Department India & EPFO Rules · Listed applicability: AY 2026-27
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Why might the estimate differ from my payslip?
Actual payroll can include bonus timing, reimbursements, employer benefits, attendance adjustments and individual tax choices. Reconcile each component with the employer’s salary structure and payroll policy.
Which inputs do I need for Salary In-Hand / CTC to Monthly Take-Home Calculator?
Use Annual CTC (Cost to Company) (₹); Basic Salary (% of CTC); PF Deduction Mode; Monthly Professional Tax (₹). The built-in examples show how those fields fit together.
What should I check before using this result?
Estimates tax under default New Tax Regime u/s 115BAC. Variable bonus or ESOP components should be entered separately if not guaranteed monthly. Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.