- Take-home is monthly gross minus employee PF, professional tax, and income tax. Use this when you already know the gross, and use the CTC calculator when you only have an annual CTC.
Take-home salary is the credit after employee PF, professional tax, and income tax. This take home salary calculator starts from the monthly gross you already have, not from annual CTC. If the letter only says CTC, use the in-hand salary calculator first and come back when the slip shows gross, basic, and HRA.
What do you type from the salary slip?
Three monthly numbers are enough to start: gross, basic, and HRA. Gross is the pay before employee deductions. Basic is the wage PF is calculated on. HRA is the house rent allowance line, not the rent you pay your landlord. Anything left after basic and HRA is treated as the special allowance. If basic plus HRA is larger than gross, the slip figures do not add up and the form says so.
Employee PF is 12% of basic, capped so that PF wages do not exceed ₹15,000 a month, unless you tick full basic. A capped basic above ₹15,000 still produces ₹1,800 of employee PF. Professional tax is whatever your state deducts. Leave it at zero if the slip has no professional-tax line. Do not guess a Chennai figure. Tamil Nadu publishes its own slabs, and payroll prints the deducted amount.
How is take-home calculated?
Monthly take-home = monthly gross − employee PF − professional tax − income tax for the month. Income tax for the month is the year's tax divided by 12. The year is FY 2026-27. The new regime is selected when the page opens.
Under the new regime the standard deduction is ₹75,000. Taxable income then moves through nil to ₹4 lakh, 5% to ₹8 lakh, 10% to ₹12 lakh, 15% to ₹16 lakh, 20% to ₹20 lakh, 25% to ₹24 lakh, and 30% above that. A rebate clears the tax while taxable income stays within ₹12 lakh, and marginal relief softens the step just above it. Cess is 4%.
The old regime uses a ₹50,000 standard deduction, the older three-rate slab, and a ₹12,500 rebate while income stays within ₹5 lakh. Rent and other 80C investments matter only in that regime. HRA exemption is the lowest of the HRA you typed, rent minus 10% of basic, and 50% of basic in a metro or 40% if you untick metro. Employee PF counts toward the ₹1,50,000 limit of section 80C. Professional tax reduces old-regime income. It does not reduce new-regime income.
| You already know | Use this page | Use the other page |
|---|---|---|
| Monthly gross, basic, and HRA | Take home salary calculator | |
| Only annual CTC | CTC to in-hand salary calculator | |
| A hike percent or a new CTC | Salary hike calculator | |
| A 7th CPC basic pay | 8th Pay Commission estimate |
Why can take-home and CTC divided by 12 be far apart?
CTC divided by 12 still contains employer PF and, in many annexures, a gratuity provision. A salary slip's gross has already dropped those. This page never adds them back, and it never subtracts gratuity, because the monthly credit does not contain that provision. If you need to see the employer PF line, go to the CTC calculator and tick the same PF choice.
Tax is the other gap. Two people with the same gross can have different take-home if one uses the old regime with rent and 80C and the other stays on the new regime. Run both radios before you treat one number as the only answer. For a salary income of ₹12,75,000, the new regime's ₹75,000 standard deduction brings total income to ₹12,00,000 and the rebate clears the tax. A monthly gross of ₹1,06,250 for a full year is that salary income. A lower gross can still show tax of zero for the same reason. A higher gross will not.
What does a simple slip look like in the form?
Monthly gross ₹50,000, basic ₹20,000, HRA ₹10,000, professional tax ₹200, new regime, PF capped. Annual gross is ₹6,00,000. After the standard deduction, taxable income stays inside the rebate, so income tax is zero. Employee PF is ₹1,800 because the ₹15,000 wage ceiling binds. Take-home is ₹50,000 − ₹1,800 − ₹200. Change any of those four inputs and the result moves. The example is arithmetic, not a statement about what a Chennai employer pays.
What should you ignore in the result?
Ignore the result as a substitute for the payroll file if the slip has a bonus, a reimbursement, or a labour-welfare deduction this form does not ask for. Reimbursements that are paid against bills are often outside taxable salary. This form treats the gross you typed as taxable salary, minus only the deductions named above. If a large part of gross is a billable reimbursement, the tax line will be high. Reduce the gross you type to the taxable part, or accept that the estimate is conservative.
The form does not send the numbers anywhere. It is not a filing, and it is not advice on which regime to choose. Compare the two radios, then follow the regime you actually select when the return is filed. More pay context for IT roles is in the salary guide.
What is a take home salary calculator for?
A take home salary calculator starts where a salary slip starts. You already know monthly gross, monthly basic, and monthly HRA. You want the credit after employee PF, professional tax, and income tax. People also call that credit take-home pay, in-hand pay, or net salary. On this site the words share a meaning and the forms do not. This page will not ask for annual CTC. If the only number you have is CTC, the in-hand salary calculator is the one that splits it. Come back here when payroll has printed a gross.
The split matters because CTC divided by twelve still contains employer costs. A slip's gross has already dropped employer PF and any gratuity provision. This take home salary calculator never adds those costs back, and it never subtracts gratuity, because the monthly credit does not contain the provision. Confusing the two pages is the usual reason a "take-home" quoted on a call is higher than the slip.
Which three lines do you copy off the slip?
Copy monthly gross first. Gross is pay before employee deductions. It is not the amount that reached the bank last month. If you type the bank credit as gross, the calculator will deduct PF and tax again and the result will be too low. Copy basic next. Basic is the wage the provident fund uses. Copy HRA as the house rent allowance the company pays you, not the rent you pay a landlord. Rent is a separate box, and it matters only in the old tax regime.
Anything left after basic and HRA is treated as special allowance. If basic plus HRA is larger than gross, the three figures do not belong to the same slip. The form says so and withholds a confident headline. Fix the typing before you quote the number. Do not force the gross up just to silence the warning.
How is monthly take-home built?
Monthly take-home equals monthly gross, minus employee PF, minus professional tax, minus one twelfth of the year's income tax. The tax year is FY 2026-27. The new regime is selected when the page opens, because that regime is the default. Standard deduction on salary is ₹75,000. After that deduction the slabs are nil to ₹4 lakh, 5 percent to ₹8 lakh, 10 percent to ₹12 lakh, 15 percent to ₹16 lakh, 20 percent to ₹20 lakh, 25 percent to ₹24 lakh, and 30 percent above ₹24 lakh. A rebate clears the tax while taxable income stays within ₹12 lakh. Marginal relief softens the step just above that line so the tax does not jump by more than the income that crossed it. Health and education cess is 4 percent.
Employee PF is 12 percent of basic, unless the wage ceiling binds. By default the calculator caps PF wages at ₹15,000 a month, so employee PF stops at ₹1,800 even when basic is higher. Tick "PF on full basic" only when the slip shows a PF line above ₹1,800. Professional tax is whatever your state deducts. Leave it at zero when the slip has no professional-tax line. Tamil Nadu publishes its own slabs and payroll prints the deducted amount. Type that amount. Do not borrow another state's figure and call it a Chennai deduction.
When should you switch on the old regime?
Switch the radio when you will claim the old regime in the return, not when you hope it is lower. The old standard deduction is ₹50,000. The slabs for a person under 60 are nil to ₹2.5 lakh, 5 percent to ₹5 lakh, 20 percent to ₹10 lakh, and 30 percent after that. The rebate is ₹12,500 only while total income stays within ₹5 lakh. Cross that line by a small amount and the rebate disappears without the marginal relief the new regime uses.
HRA exemption needs rent. It is the lowest of the HRA on the slip, rent minus 10 percent of basic, and 50 percent of basic if the metro box is on or 40 percent if you untick it. Rent of zero means an exemption of zero. The metro box on this page is about that exemption, not about rewriting your HRA. Your HRA is the amount you typed. Section 80C is capped at ₹1.5 lakh and already includes employee PF, so the other-investments box is only the amount beyond PF. Professional tax reduces old-regime taxable income. It does not reduce new-regime taxable income. Run both radios and keep the one you will actually file.
Why can the same gross produce two take-home figures?
The gross is the same. The deductions are not. One person stays on the new regime and has no rent proof. Another pays rent, holds 80C investments, and will opt for the old regime. The take home salary calculator shows both, and only one of them matches the return. A third person works in a state that deducts professional tax and a fourth does not. A fifth has PF on full basic because the appointment order says so. None of those differences is a bug in the form. They are the reason a single "70 percent of gross" rule fails.
Tax thresholds create another split. A salary income of ₹12,75,000, after the ₹75,000 standard deduction, sits at ₹12,00,000 and the new-regime tax is nil. A monthly gross of ₹1,06,250 for a full year is that salary income. A lower gross can also show zero tax for the same reason. A higher gross will not. Do not spread one friend's zero-tax slip across a higher gross and expect this page to agree.
What should you leave out of the gross you type?
Leave out a reimbursement that is paid against bills if you know it is not taxed as salary. This form treats the gross you type as taxable salary, minus only the deductions named above. A large billable allowance typed as gross will inflate the tax line. Reduce the gross to the taxable part, or accept that the estimate is conservative. Leave out a bonus that is not in this month's gross. Leave out employer PF. Leave out the gratuity provision. If you need those employer lines, they are on the CTC to in-hand page, not here.
Also leave out last month's arrears if you are trying to predict a normal month. Arrears make one slip look rich and the next twelve look ordinary. Type a normal gross when the question is "what will a normal month credit."
How do you check the take-home result against the slip?
Add the result to employee PF, professional tax, and the month's tax deduction. The sum should land on the gross you typed, within a rupee of rounding. If it does not, one of the inputs is not the slip's input. The usual miss is typing net pay as gross, or typing a PF line that is the employer contribution. The employee line is the one deducted from you. The employer line is not on this form.
Then compare the tax line with the TDS on the slip. They will not match every month if payroll annualises differently, or if you have other income, or if a declaration changed mid-year. A small gap is a reason to read the slip, not a reason to add a fudge factor. A large gap means the regime, the rent, or the gross is wrong. Above ₹50 lakh of taxable income the page adds surcharge at the slab rate and does not compute surcharge marginal relief, so treat that rare case as close and confirm it on a filing worksheet.
Where does this sit next to the other calculators?
Use the take home salary calculator when the slip exists. Use the in-hand salary calculator when you have CTC and no slip. Use the salary hike calculator when the letter is a percent or a new CTC and you want the rupee increase before you rebuild the structure. Use the 8th Pay Commission salary calculator only for a central basic pay and a factor you choose. That factor is not notified. Private-sector role notes stay in the salary guide.
Nothing in the form is uploaded. The take-home figure is planning arithmetic for the numbers you typed. It is not a Form 16, not a filing, and not an instruction to choose a regime. Choose the regime when you file, after you have compared the two radios with the proofs you actually hold.
How do you explain take-home salary without mixing it with CTC?
Say gross first, then the three deductions, then the credit. "Monthly gross is the slip total before employee PF, professional tax, and tax. Take-home is what remains." If someone replies with a CTC, stop and switch pages. A take home salary calculator that silently divides CTC by twelve will agree with the wrong question and look precise. Precision on the wrong base is the failure mode this page is built to avoid.
In a Chennai offer, ask which professional-tax amount payroll will deduct and whether PF is capped. Type those two answers. Then read the headline as this month's normal credit, not as a yearly bonus averaged into the month. If the company quotes take-home including a reimbursement, ask for the taxable gross separately and type that. The word take-home is used loosely in calls. The form is strict on purpose.
Re-run the take home salary calculator when any of the three slip lines change, when you move cities, or when you decide the tax regime. A saved screenshot from April is not a November answer if DA is irrelevant here but a revised basic or a new PF rule is not. Government basic pay still does not belong in the gross box. That estimate is the 8th Pay Commission page, and only after you accept that no factor has been notified.
