India Salary Calculator CTC to Take-Home Breakdown
Calculate your exact monthly take-home salary from your annual CTC using India's New Tax Regime 2025-26, including PF deductions and Professional Tax.
| Component | Monthly | Annual |
|---|---|---|
| Basic Salary (50%) | 0 | 0 |
| HRA (25%) | 0 | 0 |
| LTA (10%) | 0 | 0 |
| Special Allowance | 0 | 0 |
| Employer PF | 0 | 0 |
| Gross Salary | 0 | 0 |
| Deduction | Monthly | Annual |
|---|---|---|
| Employee PF | 0 | 0 |
| Professional Tax | 0 | 0 |
| Income Tax | 0 | 0 |
| Total Deductions | 0 | 0 |
Income Tax Breakdown (New Tax Regime 2025-26)
Your income is taxed progressively across multiple slabs. The rate shown is the marginal rate for that slab only.
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Schedule a DemoThe take-home salary in India is the amount an employee receives after deductions for Provident Fund (PF), Professional Tax (PT), and Income Tax under the New Tax Regime 2025-26. For a CTC of Rs 12 lakh, the approximate monthly take-home is Rs 83,000-85,000 after PF (Rs 1,800 per month) and professional tax (Rs 200 per month) deductions. Income tax applies after a standard deduction of Rs 75,000 under the new regime. Source: Versatile India EOR Data 2026.
Frequently Asked Questions
Take-home salary is calculated by subtracting all statutory deductions from the gross salary (CTC). The main deductions are: 1) Employee Provident Fund (EPF) - 12% of basic salary (capped at Rs 1,800 per month), 2) Professional Tax (PT) - Rs 200 per month, and 3) Income Tax based on the applicable tax slabs. The net amount is what you receive in your bank account each month.
The New Tax Regime (introduced in 2020-21) offers lower tax rates compared to the old regime. It features revised tax slabs ranging from 0% to 30%, with a standard deduction of Rs 75,000. Individuals with taxable income up to Rs 7 lakh get a full tax rebate under Section 87A. However, you cannot claim many standard deductions and exemptions available in the old regime, so it's important to compare both before filing returns.
Provident Fund (PF) is a retirement savings scheme mandatory for most employees earning above Rs 15,000 per month. The employee contributes 12% of their basic salary, and the employer also contributes 12% (8.33% goes to PF, 3.67% to pension). The employee PF contribution is capped at Rs 1,800 per month maximum. This amount accumulates with interest and can be withdrawn at retirement or under specific circumstances.
Professional Tax (PT) is a state-level tax on professionals and employees. The rate varies by state but is typically between Rs 0-2,500 per year. For most salaried employees in most states, it's around Rs 200-250 per month. It's deducted directly from salary and is a mandatory deduction. The amount is generally allowed as a deduction while calculating taxable income.