Salary Calculator India – CTC to Take-Home
Calculate your exact take-home salary from CTC with all deductions—PF, ESI, Professional Tax, TDS. Compare old vs new tax regime.
Example: 6,00,000
Salary components, demystified
Typically 40–50% of CTC. Fully taxable. PF and gratuity are computed on Basic.
House Rent Allowance—partially exempt if you pay rent. Metro cities get 50% of Basic, non-metro 40%.
Fully taxable balancing component to make up the CTC.
12% of Basic (capped at ₹15,000 wage). Tax-saving under 80C.
State-imposed tax (₹0–₹208/month). Deductible from gross.
As per chosen regime. New regime offers lower rates but no deductions; Old allows 80C/80D and more.
How to use this calculator
- 1Enter your annual CTC as offered in the offer letter.
- 2Adjust Basic and HRA percentages to match your company structure.
- 3Pick your state — Professional Tax varies state to state.
- 4Choose tax regime: try both to see which gives higher take-home.
- 5For Old regime, enter your tax-saving investments (80C, 80D, etc.).
- 6Review the breakup, download as PDF or share with your HR.
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Frequently asked questions
Is the calculator accurate?+
Yes—formulas are CA-verified and updated for FY 2025-26. State PT, slabs, cess and rebate u/s 87A are included.
Old vs new tax regime—which is better?+
If your eligible deductions exceed ~₹3.75L, old usually wins. Below that, new regime is typically better. Try both here.
Why does take-home differ from offer letter?+
Offer letters quote CTC. Take-home is after PF, PT and income tax. This tool shows you the real number.
Do you store my salary data?+
No. Everything runs in your browser and is never sent to a server.
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