Take-Home Salary Calculator

CTC is the total cost to company. Gross salary is CTC minus one time joining bonus and non cash perks. Take-home is what reaches your account after employee PF, income tax and professional tax. Many calculators show only gross minus tax and miss employer PF and gratuity that are part of CTC but locked for later.

We sort every rupee. First is yours in hand, the monthly cash. Second is yours but locked, which is employee PF plus employer PF plus gratuity that you get later. Third is conditional, which is variable pay that depends on targets. Fourth is never yours, which is income tax, professional tax and perks value.

This calculator does not calculate HRA exemption from rent, salary and city. In old-regime mode it accepts the annual HRA-exempt amount you enter and subtracts that amount from taxable income. Calculate or obtain the exemption separately before entering it.

The calculator’s old-regime controls include a ₹50,000 standard deduction plus user-entered 80C, 80D and HRA-exempt amounts. Its new-regime defaults use a ₹75,000 standard deduction and rebate up to ₹12 lakh. It does not provide separate controls for other deductions.

The result depends on the deductions you enter. With zero 80C, 80D and HRA inputs, the calculator’s new-regime defaults generally produce less tax than its old-regime defaults. Enter the deductions you can actually claim, switch regimes and rerun the calculation to compare.

Lie Index is the percent of your recurring CTC that never reaches your account in cash. It is (CTC minus annual take-home) divided by CTC. A higher Lie Index means more of your package is locked, conditional or taxed. Use it to compare offers quickly, not as a judgment on the employer. CTC structuring is normal and legal.

We subtract the standard deduction and, under the old regime, the 80C, 80D and HRA amounts you enter. We then apply the calculator’s fixed FY 2025-26 new- or old-regime slabs, rebate and marginal relief, followed by surcharge and 4% cess. The deduction and professional-tax inputs are editable; the slab bands themselves are not.

Bonus that is part of CTC is fixed, variable pay is paid only if targets are met. Both are taxable. We deduct variable from the gap analysis and show it in the amber bucket. Joining bonus is one time, so we separate it from recurring CTC. Check past payout of variable before you trust the full amount.

Yes. Switch to Compare two and enter both CTCs. You will see in-hand per month, Lie Index and the bucket bars for each. Often the offer with higher CTC pays less in hand if its variable is larger or its perks are higher. The verdict line tells you which actually pays more cash.

PF is 12% of basic. If your basic is high, PF can be more than ₹1,800 per month. Some companies cap it at ₹15,000 wage ceiling, so PF stays at ₹1,800. Turning on Cap PF reduces both employee and employer PF and slightly increases take-home, but lowers locked savings. Choose what matches your payslip.

No, it is an estimate based on typical salary structure and the tax rules shown. Your actual payslip depends on your exact basic, HRA, special allowance, deductions you declare and state professional tax rules. Use it to plan and to negotiate, and confirm with payroll or a tax adviser for filing.

Yes. Those amounts are yours, but you get them later. They count in CTC and lower the in-hand today. If you need cash now, a lower CTC with higher in-hand can be better. If you value long term savings, locked money is a plus. The blue bucket helps you see this clearly.