Calculator
What the Salary Calculator does
Salary 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.
Give the Salary Calculator your Annual CTC, Basic Salary, Tax Regime and Extra 80C Investments (besides PF) and it works out Monthly Take Home, Annual Take Home and Gross Monthly Salary. Values update as you type, so comparing options is a matter of editing one field.
Typical users are anyone weighing up a loan. Small differences in rate or term compound into large differences in what you actually pay.
Your figures never leave the browser, which matters when the numbers are your salary, debts or savings.
The field table, the method and a worked example are documented after the tool for anyone who wants to check the working.
What do the Salary Calculator fields mean?
The Salary Calculator uses 6 inputs. Nothing is blank on load, so you can see the shape of the answer before supplying your own figures.
| 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 Salary 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.
If something is off you are told which field, not given a generic failure.
Worked example
These are the values the Salary Calculator loads by default, and the result it produces from them. These are the exact values loaded when the page opens, and the answer they produce.
| 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
- Set Annual CTC in ₹ (100000 to 10000000).
- Put Basic Salary in % of CTC (20 to 70).
- Pick a value for Tax Regime: the options are New Regime (default) or Old Regime.
- Fill in Extra 80C Investments (besides PF) in ₹ (0 to 150000).
- Type 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.
- Because there is no round trip to a server, updating on every keystroke costs nothing.
- Check 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 on the right.
- Print gives a tidy version without the navigation, which is handy for attaching to a file.
What this tool does not do
- Fees, taxes and eligibility rules vary by product and are not included unless there is a field for them.
- Lender rounding rules differ, so the final figure on your statement may differ by a small amount.
- It will not warn you that a different tool would suit your question better.
- The tool trusts your numbers completely, so a mis-keyed digit propagates straight through.
Frequently asked questions
Enter Annual CTC in ₹, Basic Salary in % of CTC, Extra 80C Investments (besides PF) in ₹ and Professional Tax (yearly) in ₹. Every input names its unit, and every output does too, which removes the usual source of error.
Annual CTC accepts 100000 to 10000000 ₹. Go outside it and you get an error against that specific field instead of a misleading number.
With the values loaded when the page opens, monthly take home comes out as ₹88,276.00. Overwrite any of the starting values and the result follows.
No. There is no account, no session and no storage. The values exist only while the tab is open.
No payment and no login. Advertising covers the running costs.
It is precise to the method and honest about its scope: no calculator can know your eligibility, and eligibility is what usually moves the final number.