Adjust the basic pay percentage, choose how your employer pays PF and pick the old or new tax regime to see the exact difference each choice makes. It is the fastest way to compare two job offers on what really matters: take-home pay.
How in-hand salary is calculated
In-hand = CTC − Employer PF − Gratuity − Employee PF − Professional tax − Income tax
- Basic
- A % of CTC, usually 40 to 50%
- PF
- 12% of basic, often capped at a ₹15,000 monthly wage
- Gratuity
- About 4.81% of basic, paid only when you leave after 5 years
- Income tax
- Slab tax for FY 2026-27 with standard deduction, rebate and cess
CTC includes the employer's PF contribution and, at many companies, a gratuity provision. Neither reaches your bank account each month, so they are removed first to arrive at gross salary.
From gross salary, your own 12% PF contribution, the professional tax charged by your state and your income tax are deducted. Under the old regime the calculator counts your PF towards Section 80C and allows the professional tax deduction.
Ways to increase your take-home salary
Structure matters as much as the headline number. Ask HR whether these options are available.
- Opt for PF on the ₹15,000 wage ceiling instead of full basic if you want more cash today.
- Use employer NPS contributions, which are deductible even in the new regime.
- Claim meal cards, fuel reimbursement or HRA if you choose the old regime.
- Compare offers on in-hand pay and benefits, not CTC alone.