Calculator
What the Take Home Pay Calculator does
Take Home Pay 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 inputs are Annual CTC, Basic Salary, Tax Regime and Extra 80C Investments (besides PF); the output is Monthly Take Home, Annual Take Home and Gross Monthly Salary. There is no submit step; the numbers move as you adjust them.
It is mostly used by people planning a budget. Lenders present the same deal in different ways, so a like-for-like number is worth having.
This runs client-side, which means we never receive what you enter and could not retrieve it if asked.
The field reference, the method and a worked example using the default inputs follow the tool itself.
What do the Take Home Pay Calculator fields mean?
The Take Home Pay Calculator uses 6 inputs. The starting figures are ordinary, not edge cases, so they make a sensible baseline.
| 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 Take Home Pay 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 Take Home Pay Calculator loads by default, and the result it produces from them. The defaults produce the result shown here; change any of them and the answer moves.
| 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.
- There is nothing to click. The answer keeps pace with your edits.
- 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.
- If you need a record, Copy Link saves the inputs and Print produces a clean page.
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.
- No allowance is made for local rules, regional variations or house conventions.
- A plausible-looking answer from the wrong input is still the wrong answer: verify the fields first.
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. Edit any input and that figure moves with it.
No. There is no upload step, no database, and nothing to delete afterwards.
No cost and no account. Use it as often as you like.
Accurate for the formula described. Treat the output as a well-informed estimate rather than a quote, since providers apply their own charges and rounding.