This free online take-home salary calculator estimates your in-hand pay in India after income tax and deductions, based on your annual CTC. Choose between the New and Old tax regimes and factor in provident fund and other deductions to see your estimated monthly and annual take-home salary.
Simplified estimate assuming CTC ≈ gross annual pay — actual take-home depends on your specific salary structure, allowances, and deductions. Not tax advice.
How to Use the Take-Home Salary Calculator
Enter your "Annual CTC (₹)".
Select your "Tax Regime" — New Regime or Old Regime.
Enter "Other Deductions (%)" to account for PF and other deductions as a percentage of CTC.
Click "Calculate Take-Home".
Review the annual tax, other deductions, and your annual and monthly take-home pay in the results table.
Frequently Asked Questions
It treats your annual CTC as gross pay, applies income tax based on the slab rates for your chosen regime plus a 4% health and education cess, subtracts your entered "Other Deductions" percentage of CTC, and divides the remainder by 12 to give a monthly figure.
Under the New Regime, the calculator applies a flat ₹75,000 standard deduction and then taxes income at 0%, 5%, 10%, 15%, 20%, and 30% across its slabs. Under the Old Regime, the full CTC is taxed directly using 0%, 5%, 20%, and 30% slabs with no standard deduction applied.
It represents deductions such as provident fund contributions and other recurring deductions, expressed as a percentage of your annual CTC, which are subtracted from your pay in addition to income tax.
No. This is a simplified free estimate that assumes CTC equals gross annual pay. Your actual take-home will vary based on your specific salary structure, allowances, and exemptions, so it should not be treated as tax advice.