Calculate your exact monthly in-hand (take-home) salary from your CTC. See complete salary breakup with all deductions — PF, Professional Tax, Income Tax, HRA and more.
CTC (Cost to Company) is the total amount a company spends on an employee annually. It includes your basic salary, HRA, allowances, PF contributions, gratuity, and other benefits. Your actual in-hand (take-home) salary is always lower than CTC.
Several deductions reduce your CTC to in-hand salary: Employee PF (12% of basic), Professional Tax (₹200/month in most states), Income Tax (TDS), and components like Gratuity that are paid later. The difference can be 15–30% of your CTC.
New Regime has lower tax rates but no deductions. Old Regime allows 80C, HRA, and other deductions. For salary below ₹7L, New Regime is often better. For ₹10L+ with good investments and HRA, Old Regime may save more. Use the Income Tax Calculator to compare.