Take Home Salary Calculator

Advanced CTC breakdown with statutory deductions, regime comparison, and month-by-month payslip simulation.

Annual CTC

State (for Professional Tax)

City Type

Salary Structure Template

PF Calculation

Employer NPS (% of Basic) Up to 10% qualifies for 80CCD(2)

Include Gratuity

Joining Bonus

Bonus Payout Month

Variable Pay (% of CTC)

Variable Payout Month

Compare Both Regimes

Your Age

Generate month-by-month payslips including bonuses, appraisals, and LOP deductions.

Annual CTC

Basic (% of Gross)

HRA (% of Basic)

State

Joining Month

Appraisal Month

Appraisal Hike (%)

LOP Days (comma-separated by month)

Calculating your salary...

Salary Structure Templates

Basic: 40% of gross

HRA: 50% of basic

Best for: Most employees

Basic: 50% of gross

Higher PF contribution

Best for: Long-term savings

Basic: 30% of gross

Lower PF, higher allowances

Best for: Higher monthly take-home

Basic: 45% of gross

Higher NPS, gratuity

Best for: Tax optimization

Deduction	Employee	Employer	Notes
Provident Fund (PF)	12% of basic	12% of basic	Capped at Rs 15,000 basic unless opted for full
ESI	0.75%	3.25%	Only if gross ≤ Rs 21,000/month
Professional Tax	Rs 200-250/month	-	Varies by state, max Rs 2,500/year
Gratuity	-	4.81% of basic	Payable after 5 years of service