Salary Calculator (India)
Calculate monthly take-home salary from CTC. Includes PF, professional tax, HRA, and standard deduction.
About this calculator
The Salary Calculator breaks a CTC into a full monthly pay structure: basic salary, HRA, employee PF, professional tax, estimated income tax and take-home pay. It also removes the employer's PF and gratuity contribution from CTC to arrive at the gross salary that you actually earn.
Choose the basic percentage, the HRA percentage and your city type. Tax is estimated under the new regime for FY 2026-27. This makes it a good first look at an offer letter before you do the detailed work in the in-hand salary or HRA calculators.
How to use it
- Enter your annual CTC.
- Set Basic Salary % of CTC and HRA % of basic.
- Choose the City Tier: metro or non-metro. It matters for the old regime's HRA exemption.
- Read the monthly basic, HRA, PF, professional tax, income tax and take-home pay.
Calculation
Gross salary = CTC − Employer PF − Gratuity. Gratuity is estimated at 4.81% of basic, and employer PF is 12% of basic capped at ₹1,800 a month. Take-home = Gross − Employee PF − Professional tax − Income tax. Income tax uses the new regime after the ₹75,000 standard deduction, with rebate and 4% cess, spread over twelve months.
Worked example
CTC ₹18,00,000, basic 50%, HRA 50% of basic
| Gross salary (annual) | ₹17,35,110 |
| Basic salary | ₹75,000 a month |
| HRA | ₹37,500 a month |
| Employee PF | ₹1,800 a month |
| Professional tax | ₹200 a month |
| Income tax (estimated) | ₹11,442 a month |
| Take-home | ₹1,31,151 a month |
Gratuity is part of CTC but is paid only when you leave after five years, so it is removed from monthly pay. That is why take-home here is slightly lower than in the in-hand calculator.
Tips and common mistakes
- Gratuity is a legitimate part of CTC, but you only receive it after five years of service.
- Some employers also include insurance, a joining bonus or a variable component in CTC. Subtract them to find fixed monthly pay.
- TDS can vary month to month if you receive a bonus or change employers mid-year.
- The new regime ignores HRA, so the HRA and city inputs matter only when you switch to the old regime.
- Round numbers on your payslip may differ by a few rupees because employers round PF and tax.
Frequently asked questions
What is gross salary?
Gross salary is the amount you earn before deductions, which is your CTC minus the employer's PF and gratuity contributions.
How is take-home salary calculated?
Take-home equals gross salary minus your PF, professional tax and income tax.
What is the HRA percentage?
HRA is usually 40% or 50% of basic, depending on whether you work in a non-metro or a metro.
Does the calculator include bonus?
No. Include only fixed pay in CTC, or calculate bonus tax separately.
Which tax regime does it assume?
The new regime for FY 2026-27, which is the default for salaried employees.
Why does my payslip show something different?
Employers set their own structures for PF, allowances and reimbursements, and may use the old regime if you declared it.