Salary Calculator: Calculate Your Take-Home Pay (In-Hand) 2026

Receiving a job offer with a high CTC (Cost to Company) is exciting, but what matters most is the amount that actually hits your bank account every month. The gap between CTC and Take-Home pay is often filled with various statutory deductions like EPF, Professional Tax, and Income Tax.

Understanding CTC Components

• Fixed Pay: Basic, HRA, and allowances.

• Retirals: Employer's contribution to EPF and Gratuity (often included in CTC).

• Variable Pay: Performance-linked bonuses.

Common Deductions

1. Employee EPF: 12% of Basic Salary.

2. Professional Tax: Usually around ₹200/month depending on your state.

3. Income Tax (TDS): Calculated based on your choice of Old or New Regime.

Bottom Line: Always use a salary calculator before signing a new offer or planning your monthly budget to understand your true disposable income.