Estimate your monthly in-hand salary after PF, professional tax and income tax.
A ₹12,00,000 annual salary with 40% basic and PF has a monthly take-home of about ₹95,000.00 under the new tax regime — income tax is nil after the rebate.
Your take-home pay is what lands in your bank account after deductions. This calculator starts from your gross annual salary, deducts the employee provident fund (12% of basic, optionally limited to the ₹15,000 wage ceiling), professional tax and an estimate of income tax under the new or old regime, plus any other monthly deductions.
Your actual in-hand pay depends on your employer's salary structure, TDS calculations and variable pay. Compare regimes in the Income Tax Calculator and convert pay periods with the Salary Calculator; plan your spending with the Budget Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| Gross monthly salary | ₹1,00,000.00 |
| Employee PF (12% of basic) | −₹4,800.00 |
| Professional tax | −₹200.00 |
| Income tax (TDS estimate) | −₹0.00 |
| Other deductions | −₹0.00 |
| Take-home pay (monthly) | ₹95,000.00 |
| Annual income tax | ₹0.00 |
| Case | Monthly take-home |
|---|---|
| Gross ₹6,00,000 | ₹47,400.00 |
| Gross ₹12,00,000 | ₹95,000.00 |
| Gross ₹18,00,000 | ₹1,30,033.33 |
| Gross ₹30,00,000 | ₹1,98,150.00 |
| ₹18,00,000, PF capped at ₹15,000 | ₹1,35,433.33 |
Subtract employee PF, professional tax, income tax (TDS) and other deductions from the gross salary, then divide by 12.
The employee contribution to the provident fund is 12% of basic salary. Some employers cap it on a ₹15,000 wage ceiling.
No. CTC includes employer contributions, gratuity and sometimes variable pay, so in-hand pay is lower.
Employers estimate your annual tax and deduct it monthly. It can differ from this estimate depending on declarations.
Use the Income Tax Calculator to compare both regimes with your deductions.
A small state-level tax on employment, usually up to ₹2,500 a year; some states do not charge it.
It uses the standard formula: take-home = (gross − PF − PT − tax) ÷ 12 − other deductions The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
