Convert your annual CTC into monthly take-home salary. See the complete breakup of basic pay, HRA, PF and professional tax deductions.
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Based on standard breakup: Basic 40%, HRA 50% of Basic, Employee PF 12% of Basic (capped ₹1,800/month), Professional Tax ₹200/month. New tax regime (no deductions). Actuals vary by employer.
| Annual CTC | Gross/month | PF deduction | Income Tax/month | Take-home/month |
|---|---|---|---|---|
| ₹6 LPA | ₹46,200 | ₹1,440 | ₹0 | ~₹44,500 |
| ₹8 LPA | ₹61,600 | ₹1,800 | ₹0 | ~₹59,600 |
| ₹10 LPA | ₹76,900 | ₹1,800 | ₹833 | ~₹74,100 |
| ₹12 LPA | ₹92,300 | ₹1,800 | ₹2,083 | ~₹88,200 |
| ₹15 LPA | ₹1,15,400 | ₹1,800 | ₹4,583 | ~₹1,08,800 |
| ₹20 LPA | ₹1,53,800 | ₹1,800 | ₹9,167 | ~₹1,42,600 |
Employer PF (another 12% of Basic) is part of your CTC but never reaches you — it goes directly to your EPF account.
Deductions from your gross pay
In CTC but NOT in your take-home
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Take-home = Gross Salary − Employee PF − Professional Tax. Gross Salary = Basic + HRA + Special Allowance. CTC also includes Employer PF, which is not paid to the employee.
Typical breakup: Basic = 40% of CTC, HRA = 50% of Basic (metro), Special Allowance = remainder. Employee PF = 12% of Basic (capped at ₹1800/month). Professional Tax = ₹200/month.
Yes. 12% of basic salary (capped at ₹1800/month) is deducted as Employee PF. An equal amount is contributed by the employer, but it forms part of CTC and is not in-hand.
Professional Tax is a state-level tax on salaries, typically ₹200/month (₹2,400/year). It varies by state — some states don't levy it at all.
Legal TDS reduction methods: (1) Submit investment proof (80C, 80D, NPS) to HR by the January deadline. (2) Claim HRA exemption with rent receipts and landlord PAN. (3) Declare home loan interest certificate. (4) Opt for old vs new regime based on what saves more tax. (5) Maximize flexible benefits like meal allowance and mobile reimbursement. Proactive declaration reduces TDS; otherwise you claim a refund via ITR.
HRA (House Rent Allowance) is typically 40-50% of Basic Salary. Metro city employers usually set HRA at 50% of Basic; non-metro at 40%. If HRA is not separately mentioned in your offer letter, you cannot claim HRA exemption - only Section 80GG of Rs 5,000/month applies instead. When negotiating salary, ask for HRA to be explicitly stated if you plan to live on rent.
LTA covers domestic travel expenses (airfare, train tickets) for you and family twice in a 4-year block. Current block: 2022-2025. Submit travel tickets to HR. Exemption covers actual travel cost only, not hotels or food. Only domestic travel qualifies. LTA is exempt under Section 10(5) in the old regime only - not available in the new tax regime.
VPF (Voluntary Provident Fund) lets you contribute beyond the mandatory 12% EPF to your EPF account at the same 8.15% interest rate with EEE tax treatment. VPF contributions qualify under Section 80C (combined Rs 1.5L limit). For high earners who have maxed out 80C, VPF interest is taxable above Rs 2.5L/year contribution, but still beats most FDs on after-tax return.
A practical, numbers-first guide to saving income tax in FY 2025-26 under both old and new regimes. Covers 80C, HRA, NPS, home loan, and the best deductions for salaried individuals.
A deep dive into salary structuring for FY 2025-26 — how to split CTC across Basic, HRA, LTA, special allowance, NPS, and reimbursements to maximise take-home and minimise tax legally.
A complete guide to HRA exemption under the old tax regime — the 3-leg formula, metro vs non-metro classification, rent to parents, landlord PAN requirements, and 3 worked examples at different income levels.
Compare tax liability side-by-side under old and new income tax regimes. Find which regime saves you more money.
Full side-by-side breakdown of old vs new tax regime 2025-26 — tax rates, 80C/HRA deductions, 87A rebate, and which regime wins by salary slab.
Calculate your HRA exemption under section 10(13A) based on actual HRA received, basic salary and rent paid.
Calculate your Employee Provident Fund corpus at retirement based on salary, contribution rate and years of service.