Salary / Take-Home
Starts from annual CTC and removes employee PF, professional tax and TDS to estimate monthly in-hand pay. Optional components (bonus, HRA already in CTC) should match your offer letter.
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How the Salary / Take-Home works
Starts from annual CTC and removes employee PF, professional tax and TDS to estimate monthly in-hand pay. Optional components (bonus, HRA already in CTC) should match your offer letter.
Formula / method. Monthly in-hand ≈ (CTC − employer PF − gratuity accrual − other CTC pass-throughs − employee PF − PT − TDS) / 12. TDS uses the selected regime estimate.
When to use it. Use it on an offer letter before you accept, or to see why two equal-CTC offers feel different in the bank account.
How to run a comparison
- Open Salary / Take-Home from Home search, the Finance Studio hub, or this URL.
- Copy amounts, rates or dates from a document you already have — not a round marketing figure.
- Read the headline result and any breakdown (schedule, slabs, or intermediate rows).
- Change one input at a time so you can see what actually moves the answer.
- Cross-check with a related calculator below, then confirm statutory rates before you act.
Nothing you type is uploaded for server-side processing. Save or screenshot an output if you need it later; we do not keep a server-side history.
Notes and assumptions
Employer-specific flexi-baskets and ESOP withholding are not universal. Professional tax slabs vary by state; pick the state the tool offers.
Results are estimates for education and planning only. They are not financial, tax, medical, or legal advice. Slabs, scheme rates and product terms change; verify against official notifications or a qualified professional before acting.
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- HRA Exemption — Calculate tax-exempt House Rent Allowance under Sec 10(13A).
- Gratuity Calculator — Estimate retirement gratuity under Payment of Gratuity Act.
- TDS Calculator — Tax Deducted at Source calculations for salary, rent & professional fees.
- Capital Gains Tax — STCG & LTCG on shares, mutual funds, property and gold with indexation.
Browse the full Finance Studio hub or return to the Calculator Universe home catalog for every tool.
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