Enter your CTC — get your exact take-home salary with full breakdown of PF, tax, HRA and all deductions.
All fields in Indian Rupees (₹)
12% of basic salary deducted from your in-hand. Goes into your PF account — you get it back when you leave or retire.
State government tax. ₹200/month in most states (₹2,400/year). Maharashtra, Karnataka, West Bengal etc. have it.
Depends on your tax slab. New regime has lower rates but no deductions. Old regime has higher rates but many exemptions.
House Rent Allowance — part of your salary for paying rent. In old regime, part of it is tax-free if you actually pay rent.
₹75,000/year flat deduction in new regime (2025). No proof needed. Automatically reduces your taxable income.
Company also contributes 12% of your basic to PF. This is PART of your CTC but does NOT come in your hand salary.
6 LPA CTC ke saath approx ₹42,000–45,000 per month in-hand milta hai new tax regime mein. Exact amount basic salary percentage aur PF par depend karta hai. Calculator mein 6,00,000 enter karo for exact figure.
New regime better hai agar aapke paas 80C, HRA jaise deductions kam hain. Old regime better hai agar aap 80C mein full ₹1.5L invest karte hain aur rent dete hain. Generally 7 LPA se upar ke liye old regime zyada benefit deta hai — but calculate karke dekho.
Haan, employer PF contribution usually CTC ka part hota hai. Iska matlab agar CTC ₹6L hai aur employer PF ₹21,600/year hai, toh aapki actual gross salary ₹5,78,400 hai. Isliye CTC aur in-hand mein itna difference aata hai.
Professional tax state government ka ek chhota tax hai. Maharashtra, Karnataka, West Bengal jaisi states mein ₹200/month maximum kata hai. Kuch states mein nahi hota. Annual maximum ₹2,500 hai aur ye income tax mein deduction ke roop mein claim ho sakta hai.
Haan, kaafi companies gratuity ko CTC mein include karti hain (4.81% of basic). Par ye sirf 5 saal ki service ke baad milti hai. Isliye hum isse in-hand calculation mein include nahi karte.