Estimate your monthly salary after employee PF and Professional Tax, before income tax. ESI is not deducted. Income tax (TDS) and final take-home are not calculated here: we could not confirm the rebate and standard deduction for tax year 2026-27 from the Income-tax Act, 2025, so those figures show as unavailable. The amount shown is an estimate of salary after employee PF and professional tax only, before income tax. It is NOT your take-home, and it is not your payslip.
| EARNINGS | |
| Basic Salary | — |
| HRA | — |
| Other Allowances | — |
| Gross Monthly Salary | — |
| DEDUCTIONS | |
| Employee PF (estimate: 12% of basic, max ₹3,000; check payslip) | — |
| Professional Tax | — |
| Monthly TDS (income tax) | — |
| Subtotal after PF and PT (before income tax, NOT take-home) | — |
| 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, professional tax and TDS (income tax). This page deducts only an estimate of employee PF and professional tax; it does not deduct income tax or ESI, so its result is not your take-home.
Professional tax is an approximate monthly amount that varies by state and salary; the options are ₹200 or ₹208 a month (₹2,500 a year), so check your payslip. Income tax is not calculated on this page right now (see above), so rent, 80C and tax regime inputs are hidden. The Budget 2026-27 memorandum (Explanatory Memorandum) shows no change in slab rates, but the rebate and standard deduction under the Income-tax Act, 2025 could not be confirmed from the Act text. Employee PF is estimated as 12% of basic, capped at ₹3,000 a month (12% of the ₹25,000 EPFO statutory wage ceiling, in force from 17 September 2026 per the EPFO FAQs; it was ₹15,000 before that date). Your employer may deduct on a different wage base or a higher voluntary amount, so check your payslip.
Employee PF: 12% of Basic Salary. Employer PF: Additional 12% (part of CTC). ESI (Employee State Insurance): employee share 0.75% of wages for employees earning up to ₹21,000 a month (ESIC); this calculator does not deduct ESI. Companies with <20 employees may not contribute to PF.
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