Got a job offer? Enter your total CTC to instantly see your exact monthly take-home pay, subtracting EPF, Professional Tax, and Income Tax under FY 2025-26 new-regime rules.
Tip: By default, this calculator assumes the standard 50% Basic Pay structure, which affects your EPF deductions.
Salary Math
Set your CTC details and click Calculate Take-Home.
The In-Hand Salary Calculator reverse-engineers a standard Indian CTC (Cost to Company) offer into the actual money that hits your bank account every month.
Input the full Gross Cost to Company figure offered by your employer.
Most companies allocate 40% to 50% of the CTC as Basic Pay, which is the base for EPF. You can adjust this percentage or toggle EPF off completely.
The results instantly break down your Employer EPF, Employee EPF, Professional Tax, and annual income tax using the FY 2025-26 new regime.
This calculator uses the FY 2025-26 new tax regime for a resident individual below 60, including the Rs 75,000 standard deduction and the latest slab structure.
In India, Cost to Company represents the total cost the company incurs to hire you. This includes the employer's 12% matching contribution to provident fund, so it is deducted before arriving at gross salary.
This calculates the fixed component. Do not include variable bonuses in the CTC input if you want your standard monthly fixed take-home pay.
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