How much of your salary
actually reaches you?
CTC on your offer letter is not what hits your bank account. Find out exactly what you keep — and what goes to tax and PF.
No signup · No data stored · Runs entirely in your browser · 30+ free calculators
Try it — enter your CTC
In-hand salary for common CTCs
New regime · FY 2026-27 · Monthly take-home
Income Tax · 15 LPA · New Regime
Zero tax up to
₹12.75 LPA
Standard deduction
₹75,000
87A rebate
₹60,000
Effective rate @15L
~6.2%
Income Tax
New regime is better for most people now
Budget 2025 changed the game — zero tax up to ₹12.75 LPA under the new regime. Our calculator shows you exactly which regime saves more, with a slab-by-slab breakdown.
Invest & Grow
₹10,000/month SIP becomes ₹2.3 crore in 20 years
At 12% annualised return. Compounding is the most powerful force in investing — most people underestimate it. Our calculators show the real numbers, year by year.
SIP Growth · ₹10,000/month · 12% p.a.
₹10,000/month · 12% p.a. annualised return
Home Affordability · 12 LPA Salary
8.5% home loan rate · 20 year tenure · 20% down payment
Real Estate
How much home can your salary afford?
Banks approve loans on your in-hand salary, not CTC. Know your actual property budget, stamp duty costs, and whether renting makes more sense than buying.
8th Pay Commission Salary Calculator — estimate your revised pay
From the blog
Tax & salary insights
Why SalaryTools
Your data never leaves your browser
Every calculation runs in JavaScript on your device. Nothing is sent to our servers or stored anywhere.
Updated within 24 hours of every budget
Tax slabs, EPF rates, standard deduction — refreshed immediately after the Union Budget.
Built for Indian salaries from scratch
Not a US calculator adapted for India. Built around Indian salary structures — PT by state, HRA city tiers, statutory PF, professional tax, TDS.
Educational tool, not financial advice
Every calculator here is for informational purposes only, not a substitute for professional tax, legal, or financial advice — always verify with a qualified advisor for decisions specific to you.
FAQ
Why is my CTC different from in-hand salary?
CTC includes employer PF (~12% of basic) and gratuity — neither reaches your bank. Take-home = CTC minus employer PF, employee PF, professional tax, and TDS.
New or old tax regime — which is better?
New regime for most people earning up to ₹15-20 LPA. Old regime beats new only when total deductions (80C + HRA + home loan interest) exceed ₹3.75-4L.
How accurate are these calculators?
Very accurate for standard private-sector structures. Your exact figure depends on your offer letter's components, city (PT varies by state), and employer-specific policies.