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FREE FY 2025-26 slabs · Old & new regime · Updated 01 June 2026 · No login
Take-Home Salary Calculator · India

Take-Home Salary Calculator
CTC to Monthly In-Hand Salary

Enter your CTC and see exactly what lands in your bank every month after PF, Professional Tax and TDS. Works for old and new tax regime, metro and non-metro cities.

Your Salary Details
Enter annual CTC. Calculator handles the rest.
50%
Your Monthly Take-Home
In-hand per month
82,000 /mo
Annual in-hand: ₹9,84,000
Monthly Breakup
Gross Salary₹91,500
− Employee PF₹6,000
− Professional Tax₹0
− TDS (Income Tax)₹3,500
Net Take-Home₹82,000
HRA Calculator
Indicative estimate. Actual TDS varies with investments, exemptions and employer structure. Consult your finance team for exact figures.
How It Works

How Take-Home Salary Is Calculated

Your CTC (Cost to Company) is not what reaches your bank. It includes employer-side costs you never see, plus deductions taken before the salary is credited. Take-home salary is what remains after all of it.

The CTC to Take-Home Journey

CTC contains employer PF (12% of Basic) and a gratuity provision (4.81% of Basic). Remove those and you get the gross salary. From gross, three deductions are taken: employee PF (12% of Basic), Professional Tax (state-based), and TDS (income tax). What remains is your monthly take-home.

StageWhat Is Removed
CTCStarting point (annual)
Gross SalaryCTC minus employer PF and gratuity provision
Take-HomeGross minus employee PF, Professional Tax and TDS

Professional Tax by City (Delhi NCR)

Professional Tax is state-levied and directly affects take-home. Delhi charges zero PT, so Delhi employees keep more. Haryana (Gurugram, Faridabad) deducts Rs 200 per month, and Uttar Pradesh (Noida, Ghaziabad) charges PT by slab. The same CTC gives a slightly different take-home depending on which NCR city you work in.

Old vs New Tax Regime

The new regime has lower slab rates and a Rs 75,000 standard deduction but removes HRA, 80C and most exemptions. The old regime has higher rates but lets you claim HRA, 80C up to Rs 1.5 lakh and more. If you pay significant rent or invest heavily under 80C, the old regime often gives a higher take-home. Model your HRA exemption before deciding. For the full concept, read our guide on CTC to in-hand salary.

Frequently Asked

Take-Home Salary FAQs

How is take-home salary calculated from CTC?
Take-home is CTC minus employer contributions (employer PF, gratuity provision) minus employee deductions (employee PF, Professional Tax, TDS). What remains is the monthly in-hand credited to your bank.
Why is my in-hand much lower than my CTC?
CTC includes employer PF, gratuity provision and sometimes insurance, which you never see. Plus employee PF, PT and TDS get deducted. A Rs 12 lakh CTC often becomes Rs 80,000 to 90,000 monthly take-home.
Does take-home differ in old vs new tax regime?
Yes. New regime has lower rates and Rs 75,000 standard deduction but no HRA or 80C. Old regime has higher rates but allows HRA, 80C up to Rs 1.5 lakh and other deductions. Take-home depends on regime and claims.
Is Professional Tax deducted in Delhi?
No. Delhi levies zero PT. Haryana deducts Rs 200 a month and UP charges by slab. Delhi-based employees have slightly higher take-home than Gurugram or Noida colleagues on the same CTC.
How much PF is deducted from salary?
Employee PF is 12% of Basic plus DA, capped on the Rs 15,000 wage ceiling unless the employer applies it on full Basic. Employer's matching 12% is part of CTC, not deducted from take-home.
What is the difference between gross and take-home salary?
Gross is total earnings before deductions. Take-home is gross minus employee PF, PT and TDS. Gross is higher than take-home but lower than CTC, which also includes employer-side costs.

Generate Accurate Salary Slips for Your Whole Team

factoHR Delhi auto-calculates take-home, PF, ESI, PT and TDS for every employee and generates payslips in one click, with Delhi NCR multi-state compliance built in.

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