Salary Calculator for Indian Employees

Calculate your exact take-home Salary after PF, TDS, and professional tax. Free in-hand salary calculator

for Indian employees — supports old and new tax regimes for FY 2025–26.

Enter Your Details

Fill in the fields below and click Calculate

Annual CTC (Cost to Company)

Basic Salary % of CTC

State (Prof. Tax)

HRA % of Basic

FY 2026–27

Your Salary Breakdown

Enter your CTC and click Calculate to see your detailed salary breakdown.

Key Salary Terms Explained

Cost to Company

Total annual spend on an employee. Covers salary, employer PF, gratuity, and all perks. It's not what you get in hand.

Gross salary

Total pay before any deductions. Includes basic, HRA, LTA and allowances. Excludes employer PF.

Take-home salary

Total pay before any deductions. Includes basic, HRA, LTA and allowances. Excludes employer PF.

Basic Salary

The fixed core component. PF, HRA and gratuity are all calculated as a percentage of this. Typically 40–50% of CTC.

House Rent Allowance

Allowance for rent. Partially exempt from tax in the old regime based on city, rent paid, and basic salary.

Tax Deducted at Source

Income tax your employer deducts monthly and deposits with the government on your behalf.

What Is a Salary Calculator?

A salary calculator is an online tool that helps employees and job seekers understand their overall salary breakdown, from the total annual CTC (Cost to Company) down to the monthly take-home pay.

It factors in key components like basic salary percentage, HRA (House Rent Allowance), professional tax (based on your state), and Labour Welfare Fund deductions to reveal the complete structure of the salary.

Why Should You Use a Salary Calculator?

Using an online salary calculator is a simple way to avoid assumptions and confusion in your paycheck. If you feel surprised when you look at your CTC breakdown, deductions or contributions, you can use this tool to gain clarity about:

Understand Where Your Salary Goes
Get A Clearer Picture Of Your Monthly Take-Home Pay
Estimate Deductions Before Payday
Break Down Your Salary Structure In A Few Seconds
See How PF, ESI And Taxes Affect Your Net Salary
Compare Different Salary Offers More Realistically
Check Whether Your In-Hand Salary Matches Your Expectations
Calculate Your Approximate Take-Home Salary
Make Better Financial And Career Decisions
Remove Assumptions From Salary Calculations

Turn Salary Calculations Into

Automatic Payroll Processing

Frequently Asked Questions

What is the difference between CTC and take-home salary?

CTC (Cost to Company) includes your total employer cost such as basic salary, allowances, bonuses, PF contributions, and gratuity. Your take-home salary is what reaches your bank account after deductions like PF, taxes, and professional tax. Our salary calculator helps you clearly understand the difference between the two.

Is take-home salary calculated same as in-hand salary?

Yes, in most cases, take-home salary and in-hand salary mean the same thing. Both refer to the amount you receive after deductions like PF, professional tax, and income tax are applied.

Which tax regime is better — old or new?

It depends on your salary structure, investments, and exemptions. The old regime offers deductions like HRA, LTA, and 80C benefits, while the new regime provides lower tax rates with fewer exemptions. Our salary calculator can help you compare both regimes and choose the option that gives you the best take-home pay.

How is Provident Fund (PF) calculated?

PF is usually calculated as 12% of your basic salary and is contributed by both employee and employer. Some organisations may cap PF calculations based on wage limits. Our PF calculator helps you estimate monthly deductions and employer contributions easily.

What is professional tax and which states charge it?

Professional tax is a state-level employment tax charged and deducted from employee salaries in certain Indian states like Maharashtra, Karnataka, Gujarat, and Tamil Nadu. The amount varies depending on salary slabs and state regulations.

How is HRA exemption calculated under the old regime?

HRA exemption is calculated based on factors like basic salary, actual HRA received, rent paid, and city of residence. Employees living in metro cities may receive higher exemptions compared to non-metro cities.

How is net salary calculated from CTC?

Net salary is calculated after deducting employee PF contribution, professional tax, income tax, gratuity, and other applicable deductions from the total CTC. The remaining amount is your actual take-home salary credited every month.