Salary Calculator
Estimate take-home salary from CTC after PF and tax.
Inputs
Net Salary (year)
₹11,08,244
Net Salary (month)
₹92,354
Income Tax (est.)
₹67,756
PF (year)
₹21,600
Employer Cost
₹12,21,600
Salary Breakdown
- Net Salary₹11,08,244(92.4%)
- Tax₹67,756(5.6%)
- PF₹21,600(1.8%)
- Professional Tax₹2,400(0.2%)
How this is calculated
Net = CTC − PF − Professional Tax − Income Tax- 1CTC: ₹12,00,000, bonus: 10% (₹1,20,000)
- 2PF @ 12% (capped ₹1,800/mo): ₹21,600
- 3Professional tax: ₹2,400
- 4Estimated income tax: ₹67,756
- 5Net yearly: ₹11,08,244, net monthly: ₹92,354
- 6Employer cost ≈ ₹12,21,600
Results are estimates for educational purposes only and are not financial, investment, tax, accounting, or legal advice. Always consult a qualified professional before making financial decisions.
By Vizo ToolLast updated August 20266 min read
Salary Calculator — From CTC to Take-Home Pay
The Salary Calculator estimates your take-home pay from your annual CTC (Cost to Company). Enter your CTC, bonus percentage, PF contribution, and professional tax, and instantly see your net yearly salary, net monthly salary, estimated income tax, PF deduction, and total employer cost.
Understand exactly what your offer letter really pays you each month. Results are estimates — actual deductions vary by employer and tax structure — and everything runs privately in your browser.
- CTC → take-home
- PF & professional tax
- Income tax estimate
- Monthly & yearly
- Free & private
Why Use Salary Calculator?
Decode Your CTC
See how your total CTC splits into tax, PF, and actual take-home.
Monthly Clarity
Know your net monthly salary for budgeting and EMIs.
PF & Tax Included
Employee PF (capped per rules) and an income tax estimate are deducted automatically.
Free & Private
No sign-ups, no uploads — the math happens on your device.
Features
Net Salary (Year & Month)
The headline take-home figures after all deductions.
Income Tax Estimate
An estimated annual tax based on your taxable components.
PF Contribution
Employee PF as a % of basic, capped per statutory rules.
Employer Cost
Total employer cost including employer PF contribution.
Copy, Share & Print
Export your salary breakdown in one click.
How to Use the Salary Calculator
Estimate your take-home in three steps.
Enter your CTC
Your total annual cost to company (e.g. ₹12,00,000).
Set bonus, PF and professional tax
Adjust the variable bonus %, PF contribution, and annual professional tax.
Review take-home
See net monthly and yearly salary, tax, and PF — then copy or share.
Frequently Asked Questions
Got questions? We've got answers.
How is take-home salary calculated?▼
Take-home = CTC − income tax − employee PF − professional tax − other deductions. This calculator models the main components.
What is CTC?▼
Cost to Company — the total annual cost your employer bears, including salary, bonus, PF, gratuity, and benefits.
What is the PF contribution rate?▼
Both employee and employer typically contribute 12% of basic salary to EPF, with the employer's portion split into PF and EPS.
What is professional tax?▼
A small state-level tax on employment income — commonly ₹2,400/year, varying by state.
How much is the take-home on ₹12 lakh CTC?▼
With 10% bonus, 12% PF, and ₹2,400 professional tax, take-home is roughly ₹78,000–80,000/month — the calculator shows your exact figure.
What is the salary calculation formula?▼
Net Salary = CTC − (Employee PF + Income Tax + Professional Tax + Other Deductions).
Does it include gratuity?▼
The current version focuses on the main cash deductions. Gratuity may appear in your payslip separately — verify with HR.
Is the salary calculator free?▼
Yes, completely free with no sign-ups and no limits.
Are the results official?▼
No — they're estimates. Actual deductions vary by employer, state, tax regime, and structure. Check your payslip and confirm with HR.
What is employer cost?▼
The full cost to your company — your CTC plus the employer's PF contribution.
Can I copy or share my breakdown?▼
Yes — copy the summary, share it, or print a report from the toolbar.
Is my salary data private?▼
Yes — everything runs locally in your browser and nothing is uploaded.
Does it work on mobile?▼
Yes, fully responsive with touch-friendly controls.
Can I compare offers?▼
Yes — run two offers through the calculator and compare the net monthly figures side by side.
What is the difference between gross and net salary?▼
Gross is your pay before deductions; net is what actually lands in your bank account after tax, PF, and other deductions.
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