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CTC to in-hand calculator

Estimate monthly take-home from annual gross using centralized tax + PF logic. If you only know Basic+DA, we can derive PF; if you know PF, enter it directly.

Last updated: March 2026FY 2024-25 (AY 2025-26) tax slabs in engine

How SalaryExit calculates estimates (methodology, FY scope, and limits).

Output is a modeled estimate from FY slabs + PF rules in code — not your employer’s payroll system. Ambiguous inputs are blocked with an explicit message (see accuracy card).

Required inputs

  • Annual gross salary (₹)
  • Tax regime
  • Annual professional tax (₹)
  • Either employee PF (annual) OR Basic+DA (annual) for PF — not both
Assumption presets

Your taxable gross basis for this simplified model.

Tax regime

Replace the default with your state’s realistic annual PT if known.

Leave empty if you will provide Basic+DA instead.

Used only if PF is omitted — we derive monthly PF wage as (Basic+DA)/12.

Uses the same PT / PF path as above but swaps gross — useful for two offer amounts.

Provide gross salary and PF inputs (one method), then calculate to see estimated in-hand.

Assumptions used by this estimate

  • Tax computed using Financial Year 2024-25 (AY 2025-26) slab settings in code (standard deduction new ₹75,000, old ₹50,000 for other flows).
  • PF: if you omit employee PF, we can derive it from monthly Basic+DA = (Basic+DA annual ÷ 12) using the configured statutory ceiling model.
  • Monthly in-hand spreads annual tax evenly — not identical to monthly payslip TDS in all cases.

Worked example (same engine as live calculator)

Engine snapshot: gross ₹18,00,000/year, new regime, PT ₹2,500/year, Basic+DA ₹9,00,000/year (PF derived). Estimated monthly in-hand ₹1,29,141.67. Cross-check by entering annual PF from payslips instead of Basic+DA.

FAQ

Why can’t I enter PF and Basic+DA together?

The engine needs a single PF source to avoid double-counting. Use payslip PF if you have it; otherwise use Basic+DA to derive PF under configured assumptions.

Does this include employer PF or gratuity accrual?

No. It uses employee-side deductions and income-tax estimate on gross — adjust gross if your CTC definition differs.

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