Why is my actual take-home different from this estimate?

This uses simplified, common industry assumptions for basic pay, HRA and PF. Your actual payslip depends on your employer's specific salary structure, applicable allowances, and income tax deducted at source.

Does this include income tax deduction?

No — this shows the CTC-to-gross-take-home breakdown before income tax. Use the Income Tax Calculator alongside this one to estimate your final in-hand amount after TDS.

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Turn an annual CTC figure into a rough monthly take-home number, using typical basic pay, HRA and PF assumptions.

CTC breakdown

Annual CTC ₹12,00,000

Basic pay 50% of CTC

Annual bonus / variable ₹0

Estimated take-home

Monthly in-hand pay

₹0

Basic pay (annual)₹0

HRA (annual)₹0

Employer + employee PF₹0

Professional tax (annual)₹0

Estimated annual take-home₹0

A simplified estimate — basic pay assumed at the selected % of CTC, HRA at 50% of basic, employee PF at 12% of basic. Excludes income tax; check the Income Tax Calculator for that.

How this estimate works

CTC (Cost to Company) includes far more than what lands in your bank account — it bundles in the employer's PF contribution, insurance, gratuity accrual and other costs the company bears on your behalf. This calculator applies common industry assumptions to approximate the split.

Basic = CTC × basic% · HRA = Basic × 50% · Employee PF = Basic × 12% · Employer PF = Basic × 12%
Take-home (annual) ≈ CTC − Employer PF − Employee PF − Professional tax

Your actual payslip will differ based on your company's specific pay structure, applicable allowances, and income tax deducted at source — use the Income Tax Calculator alongside this to get closer to your real in-hand figure.

Related calculators

This is a simplified estimate, not a payslip. Actual take-home pay depends on your employer's specific salary structure and tax deductions.