Take Home Calculators
Salary, CTC, income tax, EPF, and PPF calculators for India. See exactly what lands in your bank account, not just what your offer letter says.
Calculate your in-hand salaryQuick Pick — Common CTC Slabs
Jump straight to a full breakdown for one of the most-searched CTC values.
Why Your In-Hand Pay Is Lower Than Your CTC
When a company quotes a salary in LPA, that figure is almost always your CTC (Cost to Company) — the total amount the company spends on you in a year, not what reaches your bank account every month. CTC bundles together your fixed pay, the employer's own PF contribution, and gratuity reserved for if you stay 5+ years — none of which you receive as monthly cash.
From your actual cash salary, your own PF contribution, professional tax (in states that levy it), and income tax are deducted before the rest lands in your account. These calculators walk through that full chain — CTC → gross salary → deductions → in-hand pay — using the actual FY 2025-26 tax slabs and PF rules, so you can see where every rupee goes.
All Calculators
Full CTC → take-home breakdown for any salary.
EPF & VPFMonthly PF contribution and long-term maturity.
PPFYear-by-year PPF growth at 7.1% interest.
HRA ExemptionHow much of your HRA is actually tax-free.
GratuityLump-sum payout after 5+ years of service.
Salary HikeWhat a CTC hike means for your real take-home.
EMIHome, personal, car & education loan EMIs.
SIPProject your mutual fund SIP growth.
Fixed DepositFD maturity value at any compounding frequency.
Recurring DepositRD maturity from monthly deposits.
NPSRetirement corpus and estimated monthly pension.
CAGR & XIRRAnnualized returns for lumpsum or irregular cash flows.
Leave EncashmentEncashment amount and tax exemption.
Overtime PayOvertime earnings at 1.5x, 2x, or custom rates.
Advance TaxQuarterly installment schedule for advance tax.
Capital GainsSTCG & LTCG tax on equity, debt, and other assets.
Old vs New RegimeWhich tax regime saves you more.
EPF vs PPFSide-by-side comparison of both retirement options.
Frequently Asked Questions
How accurate is this calculator?
It models the most common salary structure used by Indian private-sector employers (basic ~40% of CTC, HRA ~50% of basic, statutory PF and tax rules for FY 2025-26), but every employer structures CTC slightly differently. Use it as a close estimate, not an exact figure from your specific offer letter.
Does this use the old or new tax regime?
Both — every calculator lets you switch between the new tax regime (default since FY 2023-24) and the old regime, so you can compare your actual take-home under each.
Is my data stored or sent anywhere?
No. Every calculation runs entirely in your browser. Nothing you type is sent to a server or saved.