Salary Calculator
Annual CTC (₹)
Tax Regime
Salary Breakdown
*New regime FY 2025-26. Estimate only.
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Salary Calculator
The DhanLift Salary Calculator helps salaried employed break down their Cost to Company (CTC) into take-home salary, showing how much of your gross package actually reaches your bank account after deductions.
CTC includes your basic salary, allowances, employer PF contribution, gratuity, and other benefits. Your actual in-hand salary is the amount left after deducting employee PF, professional tax, and income tax (TDS).
Understanding the gap between CTC and in-hand salary is critical when negotiating a job offer, planning a budget, or calculating loan eligibility. Use this calculator to get a realistic estimate of your monthly take-home.
Whether you're evaluating a job offer, negotiating your CTC, or planning your monthly finances, this Salary Calculator helps estimate your actual take-home salary after statutory deductions such as Provident Fund (PF), Professional Tax, and Income Tax (TDS).
How to Use Salary Calculator?
Enter your Annual CTC.
Select your preferred tax regime.
Adjust PF or salary structure if required.
View your estimated monthly in-hand salary instantly.
Salary Calculation Formula
Your in-hand salary is what's actually credited to your bank account after all statutory deductions are subtracted from your gross monthly salary.
Example
Benefits of Using the Salary Calculator
Why professionals use the Salary Calculator.
Estimate Monthly Take-Home Salary
Instantly calculate your monthly in-hand salary from your annual CTC without manual computation.
Compare Job Offers
Compare take-home salary across different CTC offers to make an informed career decision.
Understand Salary Deductions
See exactly how PF, professional tax and income tax reduce your gross salary to your net take-home.
Better Budget Planning
Know your actual monthly income in advance to plan your expenses and savings more effectively.
Loan Eligibility Planning
Understanding your take-home salary helps you estimate your loan eligibility before applying.
Free Instant Calculation
Get your salary breakdown instantly, anytime, without registration or charges.
Factors That Affect Salary Calculator
Understanding these variables helps you estimate more accurately and plan better.
Annual CTC
Your total annual Cost to Company is the base figure used to estimate your monthly gross and in-hand salary.
Salary Structure
The way your CTC is split into basic pay, allowances and benefits affects your take-home salary.
Basic Salary
A higher basic salary increases your PF contribution and taxable income, affecting your net salary.
PF Contribution
Employee Provident Fund is deducted from your basic salary and reduces your monthly in-hand salary.
Professional Tax
A small state-level tax deducted from your salary, varying by state and salary slab.
Income Tax Regime
Choosing between the old and new tax regime affects the income tax deducted from your salary.
Variable Pay
Performance-linked variable pay can increase your CTC but may not be paid out in full every month.
Bonuses
Bonuses form part of your CTC but are usually paid separately from your regular monthly salary.
Other Deductions
Additional deductions such as insurance premiums or loan EMIs further reduce your in-hand salary.