Salary Calculator

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CTC to in-hand salary with EPF, gratuity, professional tax and income tax under the new regime.

Inputs

How to use this calculator: Salary Calculator

CTC to in-hand salary with EPF, gratuity, professional tax and income tax under the new regime. The example below is calculated by this page's real engine from the displayed inputs.

  1. 1Confirm that the Salary Calculator matches the quantity or design check you need.
  2. 2Enter Annual CTC, Basic as share of CTC, and Variable pay / bonus in CTC using the units printed beside each field.
  3. 3Select the applicable Employee PF contribution options; these choices change the calculation method or factors.
  4. 4Calculate, then follow the substituted equations in the worked example and compare the result with any stated limit.
  5. 5Read the assumptions, warnings and cited references before using the result for a financial, medical or engineering decision.

Input guide and example values

Use values from the same measurement basis and time period. Conditional fields appear only when the related option is selected.

InputExample valueWhy it matters
Annual CTC1800000 ₹Measured or known annual ctc used by the calculation engine.
Basic as share of CTC40 %Measured or known basic as share of ctc used by the calculation engine.
Variable pay / bonus in CTC0 ₹Optional input; leave the supplied default only when it matches your case.
Employee PF contribution12% of basic (statutory)Select the option that matches the real installation or scenario.
Professional tax2400 ₹/yearMeasured or known professional tax used by the calculation engine.

Formula inputs & variables for Salary Calculator

These are the named quantities used by this calculator. When the source formula does not define a mathematical symbol, OneCalcApp keeps the real input label instead of inventing one.

Variable / inputUnitMeaning in this calculation
Annual CTCMeasured or known annual ctc used by the calculation engine.
Basic as share of CTC%Measured or known basic as share of ctc used by the calculation engine.
Variable pay / bonus in CTCOptional input; leave the supplied default only when it matches your case.
Employee PF contributionSelect the option that matches the real installation or scenario.
Professional tax₹/yearMeasured or known professional tax used by the calculation engine.

How the Salary Calculator works

The Salary Calculator uses Annual CTC, Basic as share of CTC, Variable pay / bonus in CTC, Employee PF contribution, and Professional tax to calculate Monthly in-hand salary, Annual take-home, Gross salary (annual), Income tax + cess, Total PF credited (both sides), and Gratuity accrued per year. Its engine applies Basic = CTC × basic%; the worked values below come from that same live calculation rather than a separately typed example.

With Annual CTC 1800000 ₹, Basic as share of CTC 40 %, Variable pay / bonus in CTC 0 ₹, Employee PF contribution 12% of basic (statutory), and Professional tax 2400 ₹/year, the main worked-example result is Monthly in-hand salary = ₹122,045.

How each Salary Calculator input is used

Annual CTC

The Salary Calculator worked example uses Annual CTC = 1800000 ₹. This value is passed directly into the calculation, with an allowed minimum 10000.

Basic as share of CTC

The Salary Calculator worked example uses Basic as share of CTC = 40 %. This value is passed directly into the calculation, with an allowed minimum 20 and maximum 60.

Variable pay / bonus in CTC

The Salary Calculator worked example uses Variable pay / bonus in CTC = 0 ₹. This value is passed directly into the calculation, with an allowed minimum 0.

Employee PF contribution

The Salary Calculator worked example selects “12% of basic (statutory)”. Available choices include 12% of basic (statutory) and Not applicable. This selection may change the method or factor used by the engine, so choose the option that matches the real case.

Professional tax

The Salary Calculator worked example uses Professional tax = 2400 ₹/year. This value is passed directly into the calculation, with an allowed minimum 0 and maximum 5000.

Salary Calculator formulas and result interpretation

Formula 1: relationship used

In the Salary Calculator, Basic = CTC × basic%. The quantities in this relationship come from the named inputs or from an earlier calculation step shown in the worked example.

Formula 2: relationship used

In the Salary Calculator, Employer PF = 12% of basic ; Gratuity = 4.81% of basic. The quantities in this relationship come from the named inputs or from an earlier calculation step shown in the worked example.

Formula 3: relationship used

In the Salary Calculator, Gross salary = CTC − employer PF − gratuity − bonus. The quantities in this relationship come from the named inputs or from an earlier calculation step shown in the worked example.

Formula 4: relationship used

In the Salary Calculator, Taxable = Gross + bonus − ₹75,000 standard deduction. The quantities in this relationship come from the named inputs or from an earlier calculation step shown in the worked example.

Formula 5: relationship used

In the Salary Calculator, In-hand = (Gross + bonus − employee PF − professional tax − income tax) / 12. The quantities in this relationship come from the named inputs or from an earlier calculation step shown in the worked example.

Monthly in-hand salary

For the displayed Salary Calculator worked example, Monthly in-hand salary is ₹122,045. Verify Annual CTC, Basic as share of CTC, and Variable pay / bonus in CTC and their units before relying on this output.

Annual take-home

For the displayed Salary Calculator worked example, Annual take-home is ₹1,464,543. 81.4% of CTC Verify Annual CTC, Basic as share of CTC, and Variable pay / bonus in CTC and their units before relying on this output.

Gross salary (annual)

For the displayed Salary Calculator worked example, Gross salary (annual) is ₹1,678,968. Verify Annual CTC, Basic as share of CTC, and Variable pay / bonus in CTC and their units before relying on this output.

Income tax + cess

For the displayed Salary Calculator worked example, Income tax + cess is ₹125,625. New regime, FY 2025-26 Verify Annual CTC, Basic as share of CTC, and Variable pay / bonus in CTC and their units before relying on this output.

Total PF credited (both sides)

For the displayed Salary Calculator worked example, Total PF credited (both sides) is ₹172,800. Yours — just not liquid Verify Annual CTC, Basic as share of CTC, and Variable pay / bonus in CTC and their units before relying on this output.

Gratuity accrued per year

For the displayed Salary Calculator worked example, Gratuity accrued per year is ₹34,632. Payable after 5 years of service Verify Annual CTC, Basic as share of CTC, and Variable pay / bonus in CTC and their units before relying on this output.

Salary Calculator accuracy, checks and limitations

  • Salary Calculator units check: confirm Annual CTC (₹), Basic as share of CTC (%), Variable pay / bonus in CTC (₹), Employee PF contribution, and Professional tax (₹/year) before calculating.
  • Salary Calculator result check: compare Monthly in-hand salary, Annual take-home, Gross salary (annual), Income tax + cess, Total PF credited (both sides), and Gratuity accrued per year with the substituted formula steps and the displayed rounding precision.
  • Salary Calculator: This is an estimate, not a lender offer. Verify fees, taxes, rate changes, eligibility and repayment terms in the official product documents.

Formula, derivation and worked example

CTC is the employer's total cost, not your salary. Employer PF and gratuity are part of CTC but never reach your account monthly, and employee PF is deducted from the gross. What lands in the bank is gross minus the two PF-side deductions, professional tax and TDS. The gap between CTC and in-hand is typically 25–35% at higher salaries.

Basic = CTC × basic%
Employer PF = 12% of basic ; Gratuity = 4.81% of basic
Gross salary = CTC − employer PF − gratuity − bonus
Taxable = Gross + bonus − ₹75,000 standard deduction
In-hand = (Gross + bonus − employee PF − professional tax − income tax) / 12

Substitution steps

  1. 1. Basic pay
    1,800,000 × 40%
    = ₹720,000
  2. 2. Employer PF
    720,000 × 12%
    = ₹86,400
  3. 3. Gratuity
    720,000 × 4.81%
    = ₹34,632
  4. 4. Gross salary
    CTC − employer PF − gratuity
    = ₹1,678,968
  5. 5. Taxable income
    gross − 75,000
    = ₹1,603,968
  6. 6. Tax + 4% cess
    400,000 @ 5% = 20,000 + 400,000 @ 10% = 40,000 + 400,000 @ 15% = 60,000 + 3,968 @ 20% = 794
    = ₹125,625
  7. 7. Annual in-hand
    gross − employee PF − P.tax − tax
    = ₹1,464,543

Computed example results

Monthly in-hand salary
₹122,045
Annual take-home
₹1,464,543
81.4% of CTC
Gross salary (annual)
₹1,678,968
Income tax + cess
₹125,625
New regime, FY 2025-26
Total PF credited (both sides)
₹172,800
Yours — just not liquid
Gratuity accrued per year
₹34,632
Payable after 5 years of service

Understanding the result

Read the main result together with supporting checks, assumptions, limits and intermediate values.

For a manual check, repeat the first equation, confirm the units and change one input at a time.

Common mistakes when using Salary Calculator

  • Do not mix units for Annual CTC (₹), Basic as share of CTC (%), Variable pay / bonus in CTC (₹). A unit mismatch changes the input magnitude even when the typed number looks reasonable.
  • Do not leave Employee PF contribution on the default choice unless that choice matches the real scenario; the selected option can change the calculation path or factor.
  • Do not replace the displayed Basic = CTC × basic% relationship with a different convention without also changing the underlying assumptions; compare like-for-like methods when checking the result.
  • Do not treat Monthly in-hand salary = ₹122,045 from the worked example as a universal answer. It belongs to the displayed example inputs and must be recalculated for the actual case.

When the Salary Calculator is useful

Salary Calculator is designed for cases where Annual CTC, Basic as share of CTC, Variable pay / bonus in CTC, Employee PF contribution are known and you need Monthly in-hand salary, Annual take-home, Gross salary (annual). The page keeps the live calculator, calculation method and worked example together so the result can be checked instead of treated as a black-box number.

Use the calculator for the scope described by its inputs and notes. The displayed method is Basic = CTC × basic%. If the real project or decision needs factors that are not represented here, treat the result as an estimate and add the missing checks separately.

Annual CTC and Basic as share of CTC: what changes the answer

The worked example uses Annual CTC = 1800000 ₹, Basic as share of CTC = 40 %, Variable pay / bonus in CTC = 0 ₹, Employee PF contribution = 12% of basic (statutory). With those values, Monthly in-hand salary is ₹122,045. Changing an input should be interpreted according to that field's unit, range, option and hint rather than by the number alone.

For this calculator, the main input roles are: Annual CTC (₹): Measured or known annual ctc used by the calculation engine. Basic as share of CTC (%): Measured or known basic as share of ctc used by the calculation engine. Variable pay / bonus in CTC (₹): Optional input; leave the supplied default only when it matches your case. Employee PF contribution: Select the option that matches the real installation or scenario. Available choices include 12% of basic (statutory), Not applicable.

How to sanity-check a Salary Calculator result

Start by confirming the entered values and units, then compare the substituted working with the displayed formula or calculation steps. Pay particular attention to Monthly in-hand salary, because it is the first worked-example output shown by the live engine.

Finally, compare the result with the assumptions, warnings and related calculators on this page. A nearby calculator can be useful as a cross-check when it measures the same workflow from a different input or output direction.

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Home Loan Calculator is directly connected from Salary Calculator as a source-defined continuation or comparison.

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Formula

  • Basic = CTC × basic%
  • Employer PF = 12% of basic ; Gratuity = 4.81% of basic
  • Gross salary = CTC − employer PF − gratuity − bonus
  • Taxable = Gross + bonus − ₹75,000 standard deduction
  • In-hand = (Gross + bonus − employee PF − professional tax − income tax) / 12

CTC is the employer's total cost, not your salary. Employer PF and gratuity are part of CTC but never reach your account monthly, and employee PF is deducted from the gross. What lands in the bank is gross minus the two PF-side deductions, professional tax and TDS. The gap between CTC and in-hand is typically 25–35% at higher salaries.

Assumptions

  • New tax regime with the ₹75,000 standard deduction, FY 2025-26 slabs and 4% cess.
  • Gratuity accrues at 4.81% of basic (15/26 of a month per year).
  • No HRA exemption is applied (the new regime disallows it).
  • Professional tax varies by state; ₹2,400/year is the common maximum.

Tips

  • A higher basic increases PF and gratuity — better long-term saving, lower monthly cash.
  • Ask for the full CTC break-up letter before comparing two offers.
  • Employer NPS up to 14% of basic is deductible even in the new regime.

Warnings

  • Variable pay is not guaranteed; treat it as a bonus, not salary.
  • This estimates TDS on salary only — other income changes your final liability.

Standards & references

  • EPF & MP Act 1952
  • Payment of Gratuity Act 1972
  • Section 115BAC (new regime)

Frequently asked questions

What inputs does the Salary Calculator use?

It uses Annual CTC, Basic as share of CTC, Variable pay / bonus in CTC, Employee PF contribution, and Professional tax. Follow the unit printed for each field and choose any selectable option to match the real scenario.

What does the Salary Calculator calculate?

It calculates Monthly in-hand salary, Annual take-home, Gross salary (annual), Income tax + cess, Total PF credited (both sides), and Gratuity accrued per year. With the displayed default inputs, Monthly in-hand salary is ₹122,045.

Which formula does the Salary Calculator use?

The primary relationship is Basic = CTC × basic%. The page also shows substituted values and calculation steps so the result can be checked independently.

How can I verify a Salary Calculator result?

First verify the units for Annual CTC, Basic as share of CTC, and Variable pay / bonus in CTC. Then compare the substituted formula steps with Monthly in-hand salary and its displayed precision.

What are the limitations of the Salary Calculator?

Salary Calculator: This is an estimate, not a lender offer. Verify fees, taxes, rate changes, eligibility and repayment terms in the official product documents.

Where can I find related Finance tools?

Use the related-tools section on this page to compare another method, change units or continue the same finance calculation.

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