Monthly Take Home Salary Calculator India
Investments (Old Regime Only)
• Standard Deduction: ₹75,000 automatically applied.
• PF: Calculated at 12% of Basic Salary.
• Professional Tax: ₹200/month applied.
Estimated Monthly Take-Home
*Calculations based on 2025-26 interim budget projections for Section 87A rebate.
Monthly Take Home Salary Calculator India (CTC to In-Hand Salary 2025–26)
Understanding your actual in-hand salary is very important before accepting a job offer. Many people see a big CTC number but feel confused when the monthly credited salary is lower than expected.
That’s why our Monthly Take Home Salary Calculator India helps you instantly convert CTC to in-hand salary, calculate tax under the new and old regime, and estimate your real in-hand monthly salary after tax.
What is Take Home Salary Means?
Take home salary means the amount that is actually credited to your bank account every month after deductions such as:
- Income Tax (TDS)
- EPF (Provident Fund)
- Professional Tax
- Other statutory deductions
It is also called:
- In-hand salary
- Net salary
- After-tax salary
So if your offer letter shows ₹12,00,000 CTC, that is not your real monthly income. Your in-hand salary calculator after tax helps you see the true number.
What is CTC (Cost to Company)?
CTC is the total annual cost your employer spends on you. It includes:
- Basic Salary
- HRA
- Special Allowance
- Employer PF contribution
- Gratuity
- Bonus (if applicable)
Not all components are paid directly to you in cash. That’s why a CTC to in-hand salary calculator is essential.
How to Use the Salary Calculator (Easy Way)
- Type Your CTC
Enter your total yearly CTC (example: 1000000 for ₹10 lakh). - Basic Salary %
Keep 50% (or change if your salary structure is different). - Select Tax Regime
Choose New or Old.
If you select Old, fill 80C and HRA if applicable. - Check Your In-Hand Salary
The calculator will automatically show:- Monthly take-home salary
- Annual take-home
- Monthly tax (TDS)
- Monthly PF
No button needed.
Just enter details and your in-hand salary after tax appears instantly.
Salary Breakdown Table (Example – ₹12,00,000 CTC)
Below is an estimated example calculation under the New Tax Regime (FY 2025–26).
⚠️ Note: This is an approximate illustration. Exact numbers depend on structure and deductions.
| Component | Annual (₹) | Monthly (₹) | Explanation |
|---|---|---|---|
| CTC | 12,00,000 | 1,00,000 | Total company cost |
| Basic (50%) | 6,00,000 | 50,000 | Used to calculate PF |
| Employee PF (12%) | 72,000 | 6,000 | Deducted from salary |
| Gratuity (4.81%) | 28,860 | — | Part of CTC, not in-hand |
| Gross Salary | 10,99,140 | 91,595 | After removing PF & gratuity |
| Standard Deduction | 75,000 | — | Applied automatically |
| Professional Tax | 2,400 | 200 | Fixed deduction |
| Estimated Annual Tax | ~80,000 – 1,00,000 | ~6,500 – 8,500 | Depends on regime |
| Estimated Take Home | ~9,00,000 – 9,50,000 | ~75,000 – 82,000 | Final credited salary |
Use the salary calculator online above to get exact figures.
Old vs New Tax Regime Comparison Table
| Feature | New Regime | Old Regime |
|---|---|---|
| Standard Deduction | ₹75,000 | ₹75,000 |
| 80C Deduction | Not allowed | Up to ₹1.5L |
| HRA Exemption | Limited | Allowed |
| Slab Rates | Lower | Higher |
| Best For | Fewer investments | High investments |
| In-Hand Salary | Often higher for non-investors | Higher if heavy deductions |
This is why using a new tax regime in-hand salary calculator helps you compare properly.
Monthly Salary to CTC Calculator (Reverse Table)
If you know your monthly in-hand salary and want to estimate CTC:
| Monthly In-Hand | Approx Annual In-Hand | Estimated CTC Range |
|---|---|---|
| ₹50,000 | ₹6,00,000 | ₹7 – 8 Lakh |
| ₹75,000 | ₹9,00,000 | ₹11 – 13 Lakh |
| ₹1,00,000 | ₹12,00,000 | ₹15 – 18 Lakh |
| ₹1,50,000 | ₹18,00,000 | ₹22 – 28 Lakh |
This works like a monthly salary to CTC calculator for job negotiations.
Per Day Salary Calculator India Table
Once you know your monthly take-home:
| Monthly In-Hand | Per Day (30 Days) | Per Working Day (22 Days) |
|---|---|---|
| ₹50,000 | ₹1,667 | ₹2,273 |
| ₹75,000 | ₹2,500 | ₹3,409 |
| ₹1,00,000 | ₹3,333 | ₹4,545 |
| ₹1,50,000 | ₹5,000 | ₹6,818 |
This works as a quick per day salary calculator India.
Why Use an Inhand Salary Calculator India?
Before:
- Accepting job offer
- Planning EMI
- Taking home loan
- Switching jobs
- Salary negotiation
Always calculate:
✔ Monthly in-hand salary after tax
✔ Total annual take-home
✔ Tax under both regimes
✔ PF deductions
CTC looks big, but your bank balance depends on your in-hand salary calculator after tax.
Who Should Use This Tool?
- Freshers
- IT professionals
- Government employees
- Private sector workers
- HR managers
- Anyone planning financial decisions
FaQs
FaQs
What is a Monthly Take Home Salary Calculator India?
It is an online tool that helps you convert CTC to in-hand salary and calculate your real monthly take home salary after tax, PF, and other deductions.
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) includes total company cost like PF, gratuity, and bonuses.
In-hand salary is the actual amount credited to your bank account every month.
Final Thoughts
Your CTC is not your real earning. Your monthly in-hand salary is what matters for:
- Budget planning
- Investment decisions
- Loan eligibility
- Financial security
Use this Monthly Take Home Salary Calculator India to instantly convert:
- CTC to in-hand salary calculator
- In-hand monthly salary calculator after tax
- Salary calculator online
- Inhand salary calculator India
- New tax regime in-hand salary calculator
Make smarter financial decisions today.
