Calculate your exact monthly take-home salary after all deductions — PF, Professional Tax, TDS, and ESI. Compare New vs Old tax regime.
| EARNINGS | |
| Basic Salary | — |
| HRA | — |
| Other Allowances | — |
| Gross Monthly Salary | — |
| DEDUCTIONS | |
| Employee PF (12% of Basic) | — |
| Professional Tax | — |
| Monthly TDS | — |
| Monthly In-Hand | — |
| Annual Take-Home | — |
| Annual Tax Paid | — |
CTC (Cost to Company) is the total amount the company spends on you annually — including your salary, employer PF contribution, gratuity provision, insurance, and other benefits. Your actual take-home (in-hand) is CTC minus all deductions: employee PF (12%), professional tax, TDS (income tax), and ESI.
For a ₹10 LPA CTC, typical in-hand is ₹72,000–₹78,000/month under new tax regime. For ₹20 LPA, expect ₹1.3–₹1.4L/month. For ₹30 LPA, expect ₹1.85–₹2L/month. Higher CTCs have higher tax rates, reducing the take-home percentage.
Employee PF: 12% of Basic Salary. Employer PF: Additional 12% (part of CTC). ESI (Employee State Insurance): 0.75% of Gross Salary if gross ≤ ₹21,000/month. Companies with <20 employees may not contribute to PF.
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