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Turn a CTC figure into the amount that actually reaches your bank account each month, with the full breakdown of employer PF, gratuity, employee PF, professional tax and income tax under either regime.
Income tax in this take-home estimate uses FY 2025-26 (AY 2026-27) slabs. PF and professional-tax treatment can still differ by employer and state.
Step 1
Enter your CTC
The annual cost to company from your offer letter, which includes employer contributions you never actually receive.
Step 2
Set your salary structure
Basic pay is usually 40–50% of CTC and HRA is usually 40–50% of basic. Check your offer letter if you have the breakup.
Step 3
Pick your tax regime
Add rent and your 80C and 80D figures to see whether the old regime leaves you with more each month.
Monthly take-home
₹1,03,581
₹12,42,974 a year · 82.9% of CTC
Annual CTC
₹15,00,000
Annual deductions
₹1,56,166
Two separate subtractions are at work. Employer contributions come out of CTC before you ever see it, and then statutory deductions and tax come out of your gross salary.
Take-home = (CTC − Employer PF − Gratuity) − Employee PF − Professional tax − Income taxCost to company
The headline annual figure. It is what you cost your employer, not what you are paid.
Employer's provident fund share
12% of basic pay. It is real money and it is yours, but it goes into your EPF account rather than your bank.
Gratuity accrual
4.81% of basic pay, from 15 days' pay per year of service. Payable on exit after five years, not monthly.
Your provident fund share
Another 12% of basic, deducted from your salary. Also yours, and it qualifies for 80C in the old regime.
State levy
Capped at ₹2,500 a year nationally. Several states, including Delhi, Haryana, Uttar Pradesh and Rajasthan, do not levy it at all.
The gap between CTC and take-home is usually 15–30%, and most of it is not lost — employer PF, employee PF and gratuity all remain your money. Only income tax and professional tax genuinely leave your pocket.
Employer PF and gratuity sit inside many CTC figures and never hit the monthly account. Employee PF, professional tax and income tax then leave gross. The leftover is the illustrated take-home for the breakup you typed, using FY 2025-26 tax as labelled on the page.
Try CTC ₹16,00,000, basic 40% of CTC, HRA 40% of basic, PF on actual basic (not the wage cap), new regime, your state’s professional tax setting. Then change only the regime or add rent. The point is the split, not a claim about what “everyone at 16 LPA” takes home. Guide: CTC vs gross vs take-home.
Answers about the in-hand salary calculator.
Continue exploring adjacent tools in this topic.
Guides that explain the ideas behind these numbers.
Cost-to-company is an employer’s cost. Take-home is a bank credit. Gross sits in between. Mixing the three is how offer letters get misread.
Being "in the 20% bracket" does not mean 20% of your income goes in tax. Confusing the rate on your next rupee with the rate on all of them leads people to fear raises, overvalue deductions and misjudge what they actually earn.
These figures are estimates based on the values and assumptions you enter. Market returns are not guaranteed. Tax, brokerage and other rules can change. Finaura is an educational tool, not personalised financial, tax, investment or legal advice. Confirm important decisions with the relevant institution or a qualified professional.