Enter your CTC and see exactly what lands in your bank account every month, after PF, gratuity, professional tax, and income tax.
Estimates only — not professional tax advice. Actual liability may vary based on your specific circumstances. Talk to a CA before filing.
CTC includes employer PF contribution and gratuity, which never reach your bank account — they're retirement benefits. Your in-hand salary is CTC minus these, minus your own PF contribution, professional tax, and income tax.
No — it assumes your CTC is paid out evenly across 12 months with no variable pay component. If a chunk of your CTC is a performance bonus, your fixed monthly take-home will be lower than shown here.
This calculator assumes a common structure: basic salary at 40% of CTC, HRA at 50% of basic, and the rest as special allowance. Your actual company's structure may differ — check your offer letter for the exact breakup.
Try both. Most people with few deductions come out ahead under the new regime; if you have significant HRA, 80C, or home loan claims, check the old regime too using our Income Tax calculator.