Why is my take-home so much lower than my CTC?

Salary calculator

Take-home pay from your CTC.

Monthly take-home

₹87,867

₹10,54,400 a year, before income tax

Gross salary (CTC − bonus): ₹11,00,000
Total deductions: ₹45,600
Est. income tax (new regime): ₹0
Monthly in hand after tax: ₹87,867

EPF is usually 12% of basic, capped at ₹1,800 a month when calculated on the ₹15,000 wage ceiling. Income tax here is a new-regime estimate on salary alone; use the income tax calculator for the full picture.

Take-home₹10,54,400
Deductions₹45,600
Bonus (paid separately)₹1,00,000

What this calculates

Work out your in-hand salary from your CTC by removing the bonus and the monthly deductions that never reach your account.

How it's calculated

Take-home = (CTC − bonus) − (professional tax + employee PF + employer PF + insurance + other deductions)

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

CTC includes costs your employer pays on your behalf, such as their PF share and gratuity, plus variable pay that may not be guaranteed.