Salary & Take-Home Calculator

Calculate your monthly in-hand (net) salary from your annual CTC by deducting PF, professional tax, income tax (simplified) and other components.

Result

Component	Annual (₹)	Monthly (₹)

Notes & assumptions: PF calculated on basic. Income tax estimate uses simplified slab (new regime FY2025): 0% up to ₹3L, 5% 3–7L, 10% 7–10L, 15% 10–12L, 20% 12–15L, 30% above 15L. Standard deduction ₹75,000 applied.

Disclaimer: This tool provides an indicative estimate for general planning only and is not professional, legal, financial, medical or engineering advice. Reference values are editable defaults that vary by location, vendor, regulation and date. Verify critical figures with a qualified professional. Varada Nexus accepts no liability for decisions made using this tool.

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FAQ

What is CTC?

CTC (Cost to Company) is the total annual expenditure a company incurs for an employee. It includes basic salary, HRA, PF contributions, bonuses and other allowances.

What is the difference between gross salary and net salary?

Gross salary is the total pay before deductions. Net (in-hand) salary is what you actually receive after deducting PF, professional tax, income tax and other deductions.

How is PF calculated on salary?

Employee PF is 12% of basic salary (up to ₹15,000 basic). Employer also contributes 12% of basic, of which 8.33% goes to EPS and 3.67% to EPF.