Salary Take-Home Calculator
Calculate your exact monthly take-home salary from CTC. Includes PF, professional tax, TDS & HRA deductions.
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Metro City (Higher HRA)
Old Regime Deductions
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CTC vs Gross Salary vs In-Hand Salary — Explained
Many employees are confused about the difference between CTC, gross salary and take-home. Here's a clear breakdown:
| Component | % of CTC (approx) | Taxable? |
|---|---|---|
| Basic Salary | 40–50% | Yes (fully) |
| HRA | 40–50% of Basic | Partially (old regime) |
| Special Allowance | Remaining | Yes (fully) |
| Employee PF (deduction) | 12% of Basic | No (80C exempt) |
| Employer PF (not in gross) | 12% of Basic | No |
| Gratuity provision | 4.81% of Basic | No (on maturity) |
| Professional Tax | ₹200/month | Deductible |
In-Hand Salary Examples (New Regime)
| Annual CTC | Monthly Gross | Monthly TDS | Monthly Take-Home |
|---|---|---|---|
| ₹6,00,000 | ₹42,857 | ₹0 | ~₹37,857 |
| ₹10,00,000 | ₹71,429 | ~₹1,400 | ~₹63,000 |
| ₹15,00,000 | ₹1,07,143 | ~₹6,800 | ~₹92,000 |
| ₹25,00,000 | ₹1,78,571 | ~₹24,000 | ~₹1,43,000 |
Frequently Asked Questions
In-hand salary = Gross Salary − Employee PF (12% of basic) − Professional Tax (₹200/month) − TDS (monthly income tax). Gross salary typically excludes employer PF and gratuity provisions. The gross-to-take-home ratio is usually 85–92% before tax.
For most salaried employees with CTC under ₹15 lakh and fewer deductions, the New Regime is better due to lower slabs and ₹75,000 standard deduction. If you have a home loan interest deduction above ₹2 lakh, significant 80C investments, and HRA exemption, the Old Regime may save more tax.
PF (EPFO) is mandatory for employees earning a basic salary up to ₹15,000/month. Both employee and employer contribute 12% of basic salary. For basic salary above ₹15,000, PF contribution is calculated on a capped basic of ₹15,000 (i.e., ₹1,800/month). Employees can voluntarily contribute more via VPF.
No. HRA exemption is only available under the Old Tax Regime. Under the New Tax Regime, you cannot claim HRA exemption. However, the new regime offers a ₹75,000 standard deduction which partially compensates.
Professional tax is a state-level tax. Most states charge ₹200/month (₹2,400/year) for employees earning above a threshold. States like Maharashtra, Karnataka, West Bengal, Tamil Nadu levy professional tax. Some states like Delhi, Haryana, and Rajasthan do not levy professional tax.