About the Salary Calculator
What is the Salary Calculator?
Your offer letter shows CTC, but your bank account sees much less. This salary calculator splits your CTC into basic pay, HRA and special allowance, removes employer PF and gratuity, then deducts employee PF, professional tax and income tax.
It uses FY 2025-26 tax rules for the new or old regime and shows a monthly and yearly breakup table.
How to use the Salary Calculator
- Annual CTC (₹) (sample: 12,00,000)
- Variable Pay / Bonus Included in CTC (₹ per year) (sample: 0)
- Basic Pay (% of fixed CTC) (sample: 40)
- Provident Fund (sample: 12% of full basic)
- Gratuity Included in CTC? (sample: Yes (4.81% of basic))
- Tax Regime (sample: New regime (default))
- Professional Tax (₹ per year) (sample: 2,500)
- Old Regime: 80C Investments besides PF (₹) (sample: 0)
- Old Regime: HRA Exemption (₹ per year) (sample: 0)
- Other Deductions (₹ per month) (sample: 0)
- Press Calculate My Salary (results also refresh as you type). The result card shows the Monthly In-Hand Salary, along with Annual take-home (incl. variable), Income tax for the year, Gross salary and Employee PF (yearly).
Formula used
In-hand = CTC − Employer PF − Gratuity − Employee PF − Professional tax − Income tax
- Employer PF / Employee PF = 12% of basic each (or ₹1,800 a month on the ₹15,000 ceiling)
- Gratuity provision = 4.81% of basic
- HRA = taken as up to 50% of basic; the rest is special allowance
Tax follows FY 2025-26 rules: under the new regime, taxable income up to ₹12 lakh (₹12.75 lakh of salary) pays no tax.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Annual CTC (₹) | 12,00,000 |
| Variable Pay / Bonus Included in CTC (₹ per year) | 0 |
| Basic Pay (% of fixed CTC) | 40 |
| Provident Fund | 12% of full basic |
| Gratuity Included in CTC? | Yes (4.81% of basic) |
| Tax Regime | New regime (default) |
| Professional Tax (₹ per year) | 2,500 |
| Old Regime: 80C Investments besides PF (₹) | 0 |
| Result | Value |
|---|---|
| Monthly In-Hand Salary | ₹88,268 |
| Annual take-home (incl. variable) | ₹10,59,212 |
| Income tax for the year | ₹0 |
| Gross salary | ₹11,19,312 |
| Employee PF (yearly) | ₹57,600 |
CTC vs gross vs net
| Level | What it includes |
|---|---|
| CTC | Everything the employer spends on you: gross salary + employer PF + gratuity provision (+ insurance and other benefits) |
| Gross salary | Basic + HRA + allowances + variable pay, before any deductions |
| Net (in-hand) | Gross minus employee PF, professional tax, income tax (TDS) and other deductions |
Tips for using the Salary Calculator
- Choose the new regime unless your deductions (HRA, 80C, home loan) are large.
- Variable pay is paid once a year and depends on performance – do not count it in monthly budgets.