Find your monthly take-home pay from CTC — PF, professional tax and income tax included.
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Type your yearly cost-to-company as written in the offer letter.
Basic % of CTC, HRA %, PF rule, bonus and professional tax.
New regime is the default; choose old to add 80C and rent.
Monthly and yearly in-hand, tax and PF, with a PDF breakup.
In-hand Salary Calculator turns your CTC into the salary that actually reaches your bank account each month. It deducts employee PF, professional tax and income tax (FY 2026-27, new or old regime) and shows how employer PF and gratuity sit inside your CTC.
CTC includes employer PF, gratuity and sometimes a bonus that is paid later. Employee PF, professional tax and income tax are also deducted from your monthly pay.
Under the new labour codes, wages (basic + DA) should be at least 50% of total pay, so many companies now keep basic at 50% of CTC.