Salary Calculator
Calculate your take-home salary after deductions including PF, income tax, and professional tax. Supports annual and monthly salary breakdowns.
Quick answer:In-hand salary = CTC − Employee PF (12% of basic) − Professional Tax − Income Tax. A ₹10 LPA CTC typically results in ₹70,000–₹75,000 per month in-hand depending on your tax regime, PF opt-in, and HRA structure. Enter your CTC to see the exact breakup.
Azam Sharieff· Finance & Tools Reviewer
Last reviewed:
The Difference Between What You Make and What You Keep
We've all been there: You get handed a shiny new job offer with an impressive annual salary number. You divide it by twelve, get excited about how rich you'll be every month, and then reality hits on your first payday.
The number your company quotes you (your CTC) is drastically different from the actual cash that hits your bank account. Between Provident Fund contributions, professional taxes, and income tax brackets, a huge chunk of your salary never actually makes it to your wallet.
Negotiate Smarter, Not Harder
This calculator strips away the HR jargon and gives you the brutal honest truth. Just punch in your top-line number, and we'll instantly slice away the standard deductions so you can see your true in-hand salary.
By having this information before you accept a job offer, you can negotiate much more effectively. If you know your monthly expenses are $3,000, you can use this tool to reverse-engineer exactly what CTC you need to demand to ensure you can comfortably pay your bills.