Calculator
What the Paycheck Calculator does
Paycheck Calculator: calculates Monthly Take Home, Annual Take Home and Gross Monthly Salary from Annual CTC, Basic Salary and Tax Regime. Example: annual CTC 1200000 ₹, basic salary 40 % of CTC and tax regime New Regime (default) gives monthly take home ₹88,276.00.
The Paycheck Calculator turns Annual CTC, Basic Salary, Tax Regime and Extra 80C Investments (besides PF) into Monthly Take Home, Annual Take Home and Gross Monthly Salary. Adjust anything and the figures re-derive on the spot.
Most people who open the Paycheck Calculator are savers modelling a goal. Getting the arithmetic right before you sign is cheaper than discovering it afterwards.
Your figures never leave the browser, which matters when the numbers are your salary, debts or savings.
Everything needed to verify a result is further down: the fields, the method and one fully worked example.
What do the Paycheck Calculator fields mean?
The Paycheck Calculator uses 6 inputs. A filled form means you can test one idea immediately instead of sourcing every input first.
| Field | What to enter | Default |
|---|---|---|
| Annual CTC | measured in ₹; accepts 100000 to 10000000 | 1200000 |
| Basic Salary | measured in % of CTC; accepts 20 to 70 | 40 |
| Tax Regime | choose from New Regime (default) or Old Regime | New Regime (default) |
| Extra 80C Investments (besides PF) | measured in ₹; accepts 0 to 150000 | 0 |
| Professional Tax (yearly) | measured in ₹; accepts 0 to 5000 | 2400 |
| Gratuity Included in CTC | choose from Yes (4.81% of basic) or No | Yes (4.81% of basic) |
How does the Paycheck Calculator work?
Each output is derived from the inputs above in a single pass; there is no hidden state carried between runs, so the same inputs always give the same calculation.
Each field is verified before use; failures are reported explicitly rather than swallowed.
Worked example
These are the values the Paycheck Calculator loads by default, and the result it produces from them. Below is the same computation the tool performs on load, step by step.
| Annual CTC | 1200000 ₹ |
|---|---|
| Basic Salary | 40 % of CTC |
| Tax Regime | New Regime (default) |
| Extra 80C Investments (besides PF) | 0 ₹ |
| Professional Tax (yearly) | 2400 ₹ |
| Gratuity Included in CTC | Yes (4.81% of basic) |
| Monthly Take Home | ₹88,276.00 |
|---|---|
| Annual Take Home | ₹10,59,312.00 |
| Gross Monthly Salary | ₹93,276.00 |
| Income Tax / Month | ₹0.00 |
| Employee PF / Month | ₹4,800.00 |
| Professional Tax / Month | ₹200.00 |
| Employer PF / Month (in CTC) | ₹4,800.00 |
| Effective Tax Rate | 0.00% |
Read next: Old vs New Tax Regime: Which One Actually Saves You Money
How to use it
- Key in Annual CTC in ₹ (100000 to 10000000).
- Fill in Basic Salary in % of CTC (20 to 70).
- Pick a value for Tax Regime: the options are New Regime (default) or Old Regime.
- Enter Extra 80C Investments (besides PF) in ₹ (0 to 150000).
- Set Professional Tax (yearly) in ₹ (0 to 5000).
- Pick a value for Gratuity Included in CTC: the options are Yes (4.81% of basic) or No.
- No confirmation step: what you type is what gets calculated.
- Read Monthly Take Home, Annual Take Home, Gross Monthly Salary, Income Tax / Month, Employee PF / Month, Professional Tax / Month, Employer PF / Month (in CTC) and Effective Tax Rate in the results panel.
- Copy Link when you want to return to this exact configuration; Print when someone needs it on paper.
What this tool does not do
- Rates are treated as fixed for the whole term; a floating rate will change the outcome.
- Fees, processing charges and taxes are not included unless there is a field for them.
- It will not warn you that a different tool would suit your question better.
- A number that passes validation has been checked for plausibility, not for correctness.
Frequently asked questions
Enter Annual CTC in ₹, Basic Salary in % of CTC, Extra 80C Investments (besides PF) in ₹ and Professional Tax (yearly) in ₹. Each field states its unit next to the input, and outputs are labelled the same way.
Annual CTC accepts 100000 to 10000000 ₹. The range is enforced before the calculation runs, so a bad entry never reaches the formula.
With the values loaded when the page opens, monthly take home comes out as ₹88,276.00. Adjust any field to see how much the answer depends on it.
No. The work runs in JavaScript inside this page, so your values never leave your device. You can confirm it in your browser network tab.
No charge. Everything on the page is available without signing in.
The arithmetic will match any correct implementation. What it cannot include is the processing fee, the insurance bundled into the offer, or the rate band you actually qualify for.