Finance
Salary Take-Home Calculator
Understand what your CTC actually means in your bank account each month. Tweak assumptions for basic, HRA, and PF to match your offer letter and see a transparent earnings vs deductions split.
Estimated take-home
Monthly gross
₹1,19,000
Annual take-home
₹13,56,000
Annual CTC
₹15,00,000
Earnings
- Basic₹50,000
- HRA₹20,000
- Special Allowance₹49,000
Deductions
- Provident Fund (Employee)₹6,000
- Other Deductions₹0
Estimates only. Real take-home depends on your exact CTC structure, tax regime, insurance and other employer-specific components.
From the blog
Read about this topic
What Is CTC vs Take-Home Salary? A Clear Breakdown for Indian Employees
The honest difference between CTC and take-home salary in India — why they're rarely the same, the components that quietly disappear, and how to negotiate offers based on the right number.
In-Hand Salary Calculation Explained (With Examples)
A clear, line-by-line walkthrough of how your in-hand salary is calculated from CTC — covering EPF, gratuity, HRA, taxes, and the exact formula to know what hits your bank account each month.
How to plan your salary structure better
CTC isn't take-home. Use this short guide to read an offer letter properly and shape your structure with intent.
Need a finance read next?
Our blog and finance hub explain the ideas behind these tools — clearly and without jargon.
Frequently asked
- Why is my actual take-home different?
- Real take-home depends on your exact CTC structure, tax regime, deductions and benefits. This tool provides a clean illustrative estimate using common defaults.
- Can I adjust the basic and HRA percentages?
- Yes — every assumption is exposed as an input so you can model your own offer.
Try Tax Calculator next →
Tax Calculator