Take-home Salary Calculator

• 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.

1. 1.Basic pay1,800,000 × 40%₹720,000
2. 2.Employer PF720,000 × 12%₹86,400
3. 3.Gratuity720,000 × 4.81%₹34,632
4. 4.Gross salaryCTC − employer PF − gratuity₹1,678,968
5. 5.Taxable incomegross − 75,000₹1,603,968
6. 6.Tax + 4% cess400,000 @ 5% = 20,000 + 400,000 @ 10% = 40,000 + 400,000 @ 15% = 60,000 + 3,968 @ 20% = 794₹125,625
7. 7.Annual in-handgross − employee PF − P.tax − tax₹1,464,543

• • 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.

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