Where your CTC goes (monthly)
How we calculate this
Gross = CTC ÷ 12 − employer PF − gratuity provision (− employer ESIC, if wages ≤ ₹21,000) Take-home = gross − your PF − professional tax − TDS (− your ESIC) Tax (new regime) = slabs on (annual gross − ₹75,000 standard deduction); zero up to ₹12 lakh taxable (rebate); marginal relief above; + 4% cess TDS = annual tax ÷ 12 (employers may deduct unevenly, e.g. in the bonus month)
Rules v · Tax Year 2026–27 · as of Oct 2026 · EPF ceiling ₹25,000 from 17 Sep 2026 (being verified). Old regime, HRA exemption and employer NPS are not supported yet.
Plan your month on take-home, not CTC
Use this amount in the budget tool — it's what you can actually spend.
Open budgetQuestions to ask HR before you accept
- What's my fixed monthly gross and expected take-home?
- How much of the CTC is variable, and when is it paid?
- What's inside CTC besides salary — PF, gratuity, insurance, meal cards?
- Is PF calculated on my full basic pay?
- Which tax regime will TDS assume?
Read: CTC, gross and take-home: where part of your salary goes
How to read your CTC to take-home result
This calculator turns a CTC offer into the amount that reaches your bank each month. CTC (cost to company) is everything your employer spends on you in a year. Part of it never appears in your monthly salary. It uses the new tax regime for Tax Year 2026–27.
What the numbers mean
The blue box at the top gives your take-home in one line. It also shows what share of your CTC you get over the year, and what CTC ÷ 12 would have suggested.
Take-home per month is what you can spend and plan your budget on. In Maharashtra the figure is ₹100 lower in February, because professional tax is ₹300 that month instead of ₹200.
Gross per month is your pay before your own deductions. We get it by taking employer PF and the gratuity provision out of CTC ÷ 12. PF (Provident Fund) is a long-term savings account. Gratuity is a lump sum paid when you leave after enough years of work. The provision is what your employer sets aside for it each month.
Income tax (TDS) is the tax your employer cuts from your salary and pays to the government. We show the yearly tax divided by 12. Real employers sometimes deduct more in some months, for example when a bonus is paid.
The table “Where your CTC goes” lists every step from CTC ÷ 12 to take-home. Warnings can appear under the bar. One shows when allowances are more than half your gross pay. The Labour Codes have been in force since 21 November 2025. Under them, the part above 50% counts as wages for PF and gratuity, so your employer may change your pay structure. Another appears if your gross pay is ₹21,000 or less. Then ESIC (state health insurance) applies, and 0.75% is cut from your pay.
Already have a payslip? Switch to “I have my payslip” and copy three numbers from it. That is the most accurate figure for your budget.
Worked example
The page opens with a fictional offer: ₹6,00,000 CTC, no variable pay, basic pay ₹24,000 a month, HRA 40% of basic, Maharashtra, PF on full basic, gratuity inside CTC.
| Monthly | ₹ |
|---|---|
| CTC ÷ 12 | 50,000 |
| − Employer PF (12% of basic) | 2,880 |
| − Gratuity provision | 1,154 |
| Gross salary | 45,966 |
| − Your PF | 2,880 |
| − Professional tax | 200 |
| − TDS | 0 |
| Take-home | 42,886 |
Over the year that is about 86% of the CTC. Tax is zero for a simple reason. Yearly gross is ₹5,51,592. After the ₹75,000 standard deduction (a fixed amount salaried people subtract), taxable income is ₹4,76,592. Tax at slab rates (rates that rise in steps with income) comes to ₹3,830. The rebate, a discount on the tax itself, cancels it. For residents, the rebate applies when taxable income is up to ₹12 lakh.
What this tool doesn’t do
It covers the new regime only. The old regime, HRA exemption and employer NPS aren’t supported yet. Professional tax rules are built in for five states; for others, check your payslip. Insurance, meal cards and other perks inside CTC are not taken out. A real offer with them will give a lower take-home. Variable pay is never counted as monthly income.
Common questions
How do I calculate in-hand salary from CTC? Take CTC ÷ 12, subtract the employer’s PF and gratuity to get gross, then subtract your PF, professional tax and TDS. The table on the page shows each step with your numbers.
Is employer PF part of my salary? It is part of your CTC and goes into your PF account. You can’t spend it each month, so it isn’t in take-home.
Why don’t I know my basic pay? It should be in your offer letter. If not, tick “Not sure” and we assume 40% of CTC. Ask HR for the real figure, since PF and gratuity depend on it.
Do you need my PAN? No. We never ask for PAN or Aadhaar, and the numbers stay on your device.