🧾 Tax
Salary / CTC Calculator
Convert your annual CTC to monthly take-home salary. Calculates Employee PF, Professional Tax, income tax and all standard deductions accurately.
Salary Details
₹1L₹1 Cr
20%60%
0%100%
₹0₹1.5L
Monthly In-Hand Salary
₹--
after all deductions
Annual CTC--
Employee PF (12% of Basic)--
Professional Tax (annual)₹2,400
Annual Income Tax--
Annual Take-Home--
Salary Breakdown
Take-Home
Tax
PF+PT
Calculation Method
Gross Salary = CTC − Employer PF (12% of Basic) − Gratuity (4.81% of Basic)
Employee PF = 12% of Basic (max ₹1,800/month)
Professional Tax = ₹200/month (most states)
Taxable Income = Gross − Employee PF − Standard Deduction − Other deductions
Take-Home = Gross − Employee PF − PT − Income Tax
Employee PF = 12% of Basic (max ₹1,800/month)
Professional Tax = ₹200/month (most states)
Taxable Income = Gross − Employee PF − Standard Deduction − Other deductions
Take-Home = Gross − Employee PF − PT − Income Tax
Frequently Asked Questions
CTC (Cost to Company) includes: Basic salary + HRA + Special allowance + Employer PF contribution + Gratuity provision + Medical insurance premium + other perks. Your take-home is significantly lower than CTC.
Professional tax is a state-level tax on employment income. Most states charge ₹200/month (₹2,400/year) for incomes above ₹15,000/month. Some states like Delhi don't charge professional tax.
(1) Restructure CTC: increase allowances (fuel, phone, LTA) which may have tax exemptions. (2) Choose new tax regime if you have fewer deductions. (3) Maximize NPS contribution (additional ₹50,000 deduction under old regime 80CCD(1B)).