Estimate your monthly take-home pay after PF, professional tax and income tax.
Net pay = Gross − Employee PF (12% of basic) − Professional tax (flat, state-dependent) − monthly income tax (annual tax ÷ 12, using simplified slabs).
Illustrative estimate only — tax rules change frequently and vary by jurisdiction/circumstance. Verify with an accountant or official source before relying on this.
No — this calculator uses a simplified tax estimate and doesn't factor in HRA exemption separately. Work out your HRA exemption first, subtract it from your taxable income, then use that lower figure here for a more accurate take-home number.
CTC includes amounts that never hit your bank account each month — employer PF contribution, gratuity accrual, and sometimes an annual bonus or insurance premium. Net salary is what's actually credited after your own PF, professional tax and income tax are deducted.
This calculator applies a simplified flat-slab estimate and doesn't distinguish between regimes. Use the Old vs. New Regime Comparator first to see which regime gives you lower tax, then plug that tax figure in here for a more accurate result.