Salary In-Hand Calculator
Calculate your take-home salary after EPF, professional tax, and income tax deductions.
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Basic salary component of your CTC
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House Rent Allowance
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All other taxable allowances
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Leave Travel Allowance, meal vouchers, etc.
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Actual rent paid (for HRA exemption calculation)
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PPF, ELSS SIP, home loan principal, LIC
Common questions
What is CTC and how does it differ from take-home?
CTC (Cost to Company) is the total amount a company spends on you annually, including your salary, employer EPF contribution, gratuity provision, and any other benefits. Take-home is typically 60–75% of CTC depending on your salary structure and tax situation.
Does the employer EPF contribution come from my CTC?
Yes. Both employee (12% of basic) and employer (12% of basic) EPF contributions are typically included in your CTC. The employer share is not a "bonus" — it's part of your total compensation, just locked until you leave the company or retire.
What is professional tax and who collects it?
Professional tax is a state-level tax levied on employment. Most states charge ₹200/month (₹2,400/year) with some charging ₹2,500/year. States like Maharashtra, Karnataka, West Bengal, and Tamil Nadu levy it. Some states (Delhi, Haryana) do not have professional tax.
How can I increase my take-home salary?
Restructure your salary: request food coupons/meal allowance (Sodexo/meal vouchers up to ₹3,000 tax-free), telephone reimbursement (up to ₹2,400/year), books & periodicals (₹2,400/year), uniform allowance (₹2,400/year). Each reduces your taxable income. Many companies allow this via a flexi-pay structure.
How do I calculate my Form 16 vs my own calculation?
Form 16 uses your actual tax returns and all declarations submitted to the employer. Your actual take-home depends on what deductions you declared to HR at the start of the year (Form 12BB). If you didn't declare HRA, NPS, etc., your TDS would have been higher than necessary — claim the refund when filing your ITR.