What is the difference between CTC and take-home salary?

CTC (Cost to Company) is the total amount a company spends on an employee annually, including employer PF, gratuity, and other benefits. Take-home salary is what you actually receive in your bank account after deducting employee PF (12% of basic), professional tax, and income tax (TDS). Take-home is typically 65-80% of CTC depending on your tax bracket and salary structure.

Which tax regime gives higher take-home salary?

It depends on your deductions. The New Regime (default from FY 2024-25) offers a higher standard deduction of ₹75,000 and lower slab rates, making it better for those with fewer investments. The Old Regime is better if you have significant 80C investments (PPF, ELSS, LIC), HRA claims, and NPS contributions above ₹1.5L. Our calculator shows both so you can compare instantly.

What is the standard deduction in FY 2024-25?

Standard deduction is ₹75,000 under the New Regime (increased from ₹50,000 in Budget 2024) and ₹50,000 under the Old Regime. This applies to all salaried employees and pensioners automatically — no documents or investments needed.

What is Employee PF deduction in salary?

Employee Provident Fund (EPF) deduction is 12% of your basic salary, capped at ₹1,800 per month (i.e., 12% of ₹15,000). The employer also contributes an equal amount, but this is part of your CTC and not added to your take-home. Many companies cap basic at ₹15,000 to keep PF at ₹1,800/month, while others set basic at 40-50% of CTC.

Is professional tax applicable in all Indian states?

No — professional tax is a state-level tax and not applicable everywhere. It applies in Maharashtra (₹200/month), Karnataka (₹200/month), West Bengal, Andhra Pradesh, Telangana, and Tamil Nadu. States like Delhi, Rajasthan, Uttar Pradesh, and Gujarat do not levy professional tax. Set it to ₹0 if your state does not charge it.

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Take Home Salary Calculator — CTC to In-Hand

Calculate monthly in-hand salary from CTC. PF, professional tax, income tax (Old & New regime) breakdown. Free, FY 2024-25.

About this tool

Calculate your exact monthly in-hand salary from your CTC in seconds. Enter your annual CTC and our calculator instantly breaks down gross salary, employee PF (12% of basic, capped at ₹1,800/month), professional tax (₹200/month), income tax under New or Old regime for FY 2024-25, and your final take-home amount. No sign-up required — all calculations run locally in your browser.

📅 FY 2024–25 · Includes Budget 2024 changes · New regime default

Your CTC

Annual CTC (₹) *

₹

Cost to Company — total annual package

Tax Regime

Statutory Deductions

Employee PF (Monthly)

₹

12% of basic, max ₹1,800/mo

Employer PF (Monthly)

₹

Part of CTC, max ₹1,800/mo

Professional Tax (Monthly)

₹

State-specific, typically ₹200/mo

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Enter your CTC to see take home

We'll break down every deduction and show your monthly in-hand salary

How we calculate this

All calculations run entirely in your browser — no data is sent to any server. Here is exactly how this tool works:

Enter your annual CTC (Cost to Company) in the input field
Select your preferred tax regime — New Regime (default, ₹75K standard deduction) or Old Regime (80C, HRA, NPS deductions)
Adjust monthly PF and professional tax if your company structure differs from the standard
Instantly see your monthly take-home, annual take-home, and a full salary slip breakdown