Calculate your monthly in-hand salary from CTC by deducting EPF, professional tax, ESI, and TDS under the new or old tax regime.
Quick answers about how this tool works.
12% of your Basic Salary + Dearness Allowance (DA) is deducted monthly towards your Employee Provident Fund (EPF).
For most employees without major investments (HRA, 80C, 80D), the New Tax Regime offers lower tax slab rates and higher in-hand monthly salary due to standard deduction of ₹75,000.
Professional Tax is a state-level tax levied on salaried employees, capped at a maximum of ₹2,500 per year (approx ₹200 per month).
Annual taxable income is computed after eligible exemptions, tax slab rates are applied, and total annual tax is divided by 12 for monthly TDS.
The standard deduction for salaried individuals is ₹75,000 under the New Tax Regime and ₹50,000 under the Old Tax Regime.
Take-home pay is lower because CTC includes non-cash benefits, employer EPF contribution, gratuity provision, and employee statutory deductions (EPF, PT, TDS).
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