Take-home salary calculator

CTC vs in-hand: why they differ

Your CTC (cost to company) is everything your employer spends on you in a year. A chunk of it never reaches your monthly salary: the employer’s 12% EPF contribution and the gratuity provision sit inside CTC but are paid elsewhere. What’s left is your gross salary. From that, your own EPF share, professional tax and TDS (income tax) are deducted before the balance is credited — that’s your in-hand.

What this calculator assumes

• Basic pay is the percentage of CTC you set (default 40%).
• EPF is 12% of basic for both you and your employer, unless you cap it at the statutory ₹1,800/month.
• Gratuity provision is 4.81% of basic, included in CTC only if you tick that box.
• Professional tax of ₹2,400/year — it varies by state and a few states don’t levy it at all.
• Income tax uses FY 2026-27 (AY 2027-28) slabs with the standard deduction and Section 87A rebate. No variable pay, bonuses or one-time joining components.

It’s an estimate, not tax advice. Your real payslip depends on how your employer structures salary (special allowance, NPS, meal cards, and so on).