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Take-Home Salary Calculator India 2026 – In-Hand After Tax

Use this free Take-Home Salary Calculator in India to find your exact in-hand monthly salary after all deductions — EPF, income tax, professional tax, and HRA.

Calculate net take-home salary after all deductions (India).

Net Annual Take-Home

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Gross Salary

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Total Deductions

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Annual Take-Home

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Monthly Take-Home

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Gross Annual Salary (₹)

PF Contribution (₹/yr)

Income Tax (₹/yr)

Other Deductions (₹/yr)

📊 What is the Take-Home Salary Calculator and How Does It Work?

Your CTC includes basic salary, HRA, LTA, special allowances, and employer contributions. The calculator subtracts mandatory deductions — income tax at applicable slab, employee EPF (12% of basic), professional tax — to give actual monthly in-hand.

Formula

Take-home = CTC – (Income Tax + Employee EPF 12% of basic + Professional Tax + Other deductions)  |  Monthly = Annual ÷ 12

🪓 Step-by-Step: How to Use This Calculator

Enter your CTC (annual package)
Enter basic salary (typically 40–50% of CTC)
Enter HRA (typically 40–50% of basic for metro)
Select metro or non-metro city
Click Calculate to see monthly in-hand salary and full deduction breakdown

📌 Example Calculation

CTC ₹12L, basic ₹5L, HRA ₹2.4L, metro, new tax regime: deductions ~₹1,85,000/year. In-hand ≈ ₹84,583/month.

✅ Benefits of Using This Calculator

Decode your CTC and understand actual take-home
Plan monthly budget on real in-hand salary
Compare job offers by take-home, not CTC
Understand impact of a salary hike on take-home
Calculate tax savings from regime switch
Plan HRA exemption to maximise in-hand

⚙️ Key Factors That Affect Results

CTC component split — basic, HRA, LTA, special allowance
City — metro HRA exemption is higher
Tax regime — old vs new significantly affects tax
EPF — mandatory 12% of basic salary
Professional tax — state-specific, typically ₹200/month
Voluntary deductions like NPS, insurance

❓ Frequently Asked Questions

CTC vs in-hand difference?▼

CTC includes employer EPF, gratuity provision, and insurance. In-hand is what hits your bank account after all deductions.

Why is take-home lower than expected?▼

TDS, employee EPF (12% of basic), professional tax, and voluntary deductions all reduce in-hand. Check your pay slip.

How to increase take-home?▼

Restructure salary to maximise HRA, LTA, meal vouchers, phone reimbursements. Choose the right tax regime.

What is professional tax?▼

State-level tax on salaried employees — max ₹2,500/year. Not applicable in all states including Delhi.

Is employer EPF part of CTC?▼

Yes, in CTC but goes to your EPF account monthly. Not in take-home. Available on retirement or after 5 years.

About This Tool

Uses standard financial formulas. Results are indicative — consult a financial advisor for important decisions.

🔒 Privacy: All calculations run locally in your browser.