✅ Free Tool — State-wise PT · PF · ESIC · TDS · Gratuity
In-hand Salary Breakup Calculator India 2025 — CTC to Take-home
Get your complete monthly payslip — Basic, HRA, Special Allowance, PF, Professional Tax (all states), ESIC, TDS and net take-home. Also works in reverse: enter take-home to find your CTC.
Quick formula: In-hand ≈ CTC − Employer PF (12% of basic) − Gratuity (4.81% of basic) − Employee PF − Professional Tax − TDS.
Typically 65–80% of CTC depending on salary slab and tax investments.
Example: ₹10 LPA CTC → ₹62,000–₹68,000/month in-hand (30% tax bracket, full 80C).
Salary Details
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Enter your total annual CTC from offer letter
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Typically 40–50% of CTC
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50% metro / 40% non-metro
📋 Monthly Payslip
Annual CTC: ₹10,00,000
₹0
Monthly In-hand (Net Take-home)
Annual: ₹0
Earnings
Basic Pay₹0
HRA₹0
Special Allowance₹0
Other Allowances₹0
Gross Salary₹0
Deductions
Employee PF (12%)₹0
Professional Tax₹0
ESIC (0.75%)₹0
TDS (Income Tax)₹0
Total Deductions₹0
Net Take-home
₹0
CTC Breakdown
Fixed Salary (Gross)₹0
Employer PF (12%)₹0
Gratuity (4.81%)₹0
Total CTC₹0
📊 Professional Tax by State — India 2025
Professional Tax is a state-level tax deducted monthly from salary. Maximum is ₹2,500 per year.
| State | Annual PT | Monthly Deduction | Applicable on |
|---|---|---|---|
| Maharashtra | ₹2,500 | ₹200–₹300 | Salary above ₹10,000/month |
| Karnataka | ₹2,400 | ₹200 | Salary above ₹15,000/month |
| West Bengal | ₹2,400 | ₹200 | Salary above ₹10,000/month |
| Andhra Pradesh | ₹2,400 | ₹200 | Salary above ₹15,000/month |
| Telangana | ₹2,400 | ₹200 | Salary above ₹15,000/month |
| Gujarat | ₹2,400 | ₹200 | Salary above ₹12,000/month |
| Tamil Nadu | ₹1,200 | ₹100 | Salary above ₹21,000/month |
| Kerala | ₹1,200 | ₹100 | Salary above ₹12,000/month |
| Delhi, UP, Haryana, Rajasthan, Punjab | ₹0 | Nil | No Professional Tax |
📖 How to Use This Salary Calculator
- 1Choose Calculator ModeSelect "CTC → In-hand" to find your take-home from CTC, or "In-hand → CTC" to find what CTC you need for a desired take-home salary.
- 2Enter CTC and Salary StructureEnter your annual CTC. Set Basic pay percentage (40–50% is typical) and HRA (50% of basic for metro cities, 40% for non-metro). These determine your gross salary split.
- 3Select Your StateChoose your state for accurate Professional Tax. Maharashtra, Karnataka and West Bengal have the highest PT at ₹2,400–₹2,500/year. Delhi, UP, Haryana have zero PT.
- 4Choose Tax Regime and InvestmentsSelect New Regime (lower rates, no deductions) or Old Regime (higher rates but allows 80C, 80D, HRA exemption). Enter your investments to reduce TDS and increase take-home.
- 5Read Your Complete PayslipSee monthly Basic, HRA, Special Allowance, all deductions (PF, PT, ESIC, TDS) and net take-home. The CTC breakdown shows employer PF and gratuity components.
✅ Why Use This Salary Calculator
🗺️
State-wise PT
Accurate Professional Tax for all 15 states — Maharashtra, Karnataka, Bengal and more.
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Reverse Calculator
Enter desired take-home and get the CTC you need to negotiate. Unique feature.
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Full Payslip
Complete breakdown — Basic, HRA, Special Allowance, PF, ESIC, TDS, Gratuity.
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Old vs New Regime
Switch between tax regimes instantly to see which gives higher take-home.
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TDS Optimisation
Enter 80C, NPS, 80D and HRA exemption to see how investments increase take-home.
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100% Private
No data stored. Runs entirely in your browser. No login or sign-up required.
❓ Frequently Asked Questions
In-hand salary = CTC − Employer PF (12% of basic) − Gratuity (4.81% of basic) − Employee PF (12% of basic) − Professional Tax − TDS. Example: ₹10 LPA CTC, 40% basic (₹33,333/month). Employer PF = ₹4,000/month, Gratuity = ₹1,603/month. Fixed salary = ₹10L − ₹67,236 = ₹9.33L. Monthly gross = ₹77,750. After employee PF (₹4,000), PT (₹200), TDS (~₹8,000) → take-home ≈ ₹65,550/month.
CTC (Cost to Company) = everything the employer spends on you. In-hand = what gets credited to your bank. CTC includes: your gross salary + employer PF (12% of basic) + gratuity provision (4.81% of basic) + any other perks. In-hand is gross salary minus employee PF (12%), Professional Tax, and TDS. Typically in-hand is 65–80% of CTC depending on tax slab and investments.
Professional Tax is a state-level tax on salaried employees, maximum ₹2,500/year. States charging PT: Maharashtra (₹2,500), Karnataka (₹2,400), West Bengal (₹2,400), Andhra Pradesh (₹2,400), Telangana (₹2,400), Gujarat (₹2,400), Tamil Nadu (₹1,200), Kerala (₹1,200). Zero PT states: Delhi, Uttar Pradesh, Rajasthan, Haryana, Punjab, Himachal Pradesh, Jammu & Kashmir.
PF is 12% of Basic + DA. Employee pays 12% (deducted from salary). Employer also pays 12% (part of CTC) — of which 8.33% goes to EPS (pension, capped at ₹1,250/month) and 3.67% to EPF account. PF is calculated on actual basic salary OR capped at ₹15,000 — whichever your employer chooses. Capped PF = max ₹1,800/month employee contribution. Actual PF on ₹40,000 basic = ₹4,800/month.
ESIC (Employee State Insurance) applies when gross salary is ₹21,000/month or below. Employee contributes 0.75% of gross, employer contributes 3.25%. For ₹20,000 gross: employee ESIC = ₹150/month, employer ESIC = ₹650/month. ESIC provides medical, maternity, disability and dependent benefits. If gross exceeds ₹21,000, ESIC is not applicable — this is why many employers structure salaries slightly above ₹21,000.
New regime gives higher take-home if your total deductions (80C + 80D + HRA + home loan etc.) are less than ₹3.75 lakh for income above ₹15 LPA, or ₹2 lakh for ₹10 LPA. Old regime is better if you have: full 80C (₹1.5L) + NPS (₹50K) + HRA exemption + home loan interest. Use this calculator — switch between regimes to see which gives you more money.
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