Take Home Salary Calculator
Your offer says ₹12 lakh. Your bank gets something else. Convert CTC to real monthly take-home. Free, private, no signup.
Your CTC
Usually 40–50%. PF and gratuity are computed on this.
Varies by state (e.g. ₹2,400/yr in Maharashtra).
Insurance premiums, meal coupons, etc.
Your take-home
-
Annual take-home-
Where the CTC goes
Annual CTC-
Less: employer PF (12% of basic)-
Less: gratuity accrual (4.81% of basic)-
= Gross salary-
Less: employee PF (12% of basic)-
Less: professional tax-
Less: other deductions-
= Take-home (before income tax)-
Income tax (TDS) is deducted on top of this — estimate it with our income tax calculator.
Why your salary isn't your CTC
CTC (cost to company) is what you cost your employer — not what you receive. Three chunks never reach you: the employer's PF contribution (12% of basic, goes to your EPF), gratuity accrual (~4.81% of basic, paid only if you complete ~5 years), and often insurance premiums baked into the CTC.
- The 50% basic rule. Under the new wage code, basic + DA should be at least 50% of CTC — which raises your PF/gratuity and lowers take-home versus a 40%-basic structure. Good for retirement, tighter monthly.
- Negotiate on gross, not CTC. Two ₹12L CTC offers can differ by ₹5,000/month in hand depending on the basic split and variable pay. Always ask for the salary breakup.
- Variable pay isn't salary. Bonuses linked to performance may not materialise — budget on fixed pay, treat variable as a bonus.
FAQs
What is a good take-home ratio?
Roughly 70–75% of CTC as monthly take-home (before income tax) is typical for a 40–50% basic structure. Below 65% usually means heavy variable pay or deductions — ask for the breakup.
Is employer PF part of my salary?
It's part of your CTC and it's your money — credited to your EPF account monthly. But you can't spend it now, which is why take-home excludes it.
Does this include income tax?
No — TDS depends on your regime, deductions and other income. This shows take-home before income tax; run our income tax calculator for the final number.
Why is professional tax different across states?
It's a state levy: Maharashtra charges ₹2,500/year, Karnataka ₹2,400, some states nothing. Your employer deducts it monthly.
Is my data sent anywhere?
No. Everything is computed in your browser; nothing leaves your device.
Disclaimer: Estimates for illustration, computed in your browser — no data leaves your device. Actual salary structures vary by employer; verify against your offer letter. Income tax not included.