In-Hand Monthly Salary Calculator
Estimate your net monthly take-home salary after factoring in EPF contribution, professional tax, and income tax TDS.
Salary Deduction Analysis
Your CTC to net take-home salary calculation breakdown:
Gross Monthly Pay
Your base monthly remuneration before any statutory deductions.
PF & Tax Deductions
Deductions including employee EPF share, Professional Tax, and Income Tax TDS.
Net Take-Home
The actual monthly cash credited to your bank account.
How is it calculated?
In-Hand = Gross\,Salary - (EPF + Professional\,Tax + TDS)Gross salary excludes employer match. Deducts employee EPF (usually 12% of basic), professional tax (fixed slab e.g., ₹200), and projected income tax TDS divided by 12.
Worked Examples
CTC of ₹12 Lakhs with default deductions
For a ₹1,00,000 monthly gross salary, subtracting ₹1,800 EPF, ₹200 professional tax, and ₹7,500 tax TDS yields a net in-hand monthly salary of ₹90,500.
CTC of ₹6 Lakhs
Gross salary is ₹50,000. With basic salary of ₹20,000, EPF is ₹2,400. Income tax is negligible. Net monthly take-home is ₹47,400.
Frequently Asked Questions
What is the difference between CTC and take-home salary?
Are allowances like HRA part of my in-hand pay?
Explore All Financial & Math Calculators
Investments
Loans & Debt
Everyday Tools
Results are estimates and should not be considered financial advice.