Take-Home Salary Calculator
Enter your annual CTC to see your monthly in-hand salary and a full breakdown of basic, HRA, special allowance, statutory bonus, employer PF and gratuity — with employee PF and professional tax deducted.
Estimate based on a standard Indian salary structure (basic, HRA, statutory bonus, special allowance, employer PF, gratuity). Actual take-home depends on your employer's structure and your income-tax deduction (TDS), which is not applied here.
Frequently asked
CTC (Cost to Company) is the total annual amount your employer spends on you — it includes employer contributions such as PF and gratuity that never hit your bank account. Take-home (in-hand) salary is what is left after employer contributions are excluded and employee deductions like your own PF share and professional tax are removed. Income tax (TDS) further reduces it.
The two statutory deductions this calculator applies are your employee Provident Fund contribution (12% of basic, capped) and professional tax (a small state levy, e.g. ₹2,400 a year in Maharashtra). Income tax deducted at source (TDS) is separate and depends on your regime and declarations, so it is not applied here.
No — it is an estimate. Real take-home depends on how your specific employer structures your CTC (basic %, allowances, variable pay) and on your income-tax deduction under the old or new regime. Use this to understand the components; confirm the exact figure with your payslip or your CA.
OnGravy generates payslips and files PF, PT and TDS automatically for your whole team.
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