Salary Calculator - CTC to Take-Home
Translate an offer's CTC into a realistic monthly in-hand estimate-PF, tax and deductions illustrated clearly.
- Net (illus.)
- PF+TDS (illus.)
Net (illus.)
₹95,835.00
PF
₹7,200.00
TDS/mo (rough)
₹16,965.00
Highly simplified-real payroll has many components.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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Salary calculator - how to use this tool
Estimate net take-home after illustrative PF and rough tax (not payroll advice).
This salary calculator breaks CTC into basic, allowances, PF, gratuity and tax to reveal your actual in-hand pay. Run it on every offer letter-two packages with the same CTC can take home very different amounts.
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
How do I calculate in-hand salary from CTC?
In-hand salary is CTC minus employer PF, gratuity and other benefits, minus employee PF, professional tax and income tax. This salary calculator breaks CTC into components so the take-home is not a surprise.
Why is my take-home much lower than my CTC?
CTC bundles employer PF contribution, gratuity accrual, insurance and bonuses that never hit your bank account monthly. Compare job offers on gross and in-hand figures, not CTC alone.
Does the salary calculator handle the new tax regime?
It estimates tax as per the regime assumptions shown on the page. For an exact new-vs-old regime comparison on your deductions, use the income tax calculator.
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