Quick answer
Your CTC is not your salary. Take-home pay is typically 65–80% of CTC after employee PF, professional tax, and income tax. Enter your CTC and see the monthly in-hand amount with every deduction shown.
Salary reality
What's my real salary?
That CTC on the offer letter isn't what you get. Enter it and see what actually hits your account — and how to split it.
₹
Cost to company — before anything is taken out.
Assumes EPF at 12% of basic, ₹2,400/yr professional tax, and the FY 2025-26 tax rules. Every payslip differs — tune it above.
What actually lands each month
₹85,395
Go with the new tax regime — it keeps ₹1,12,245 more in your pocket a year.
New regimeBest
₹85,395/mo
Tax: ₹0/yr
Old regime
₹76,041/mo
Tax: ₹1,12,245/yr
A sane way to split it
- Needs — rent, food, bills · 50%₹42,698
- Wants — the fun stuff · 30%₹25,619
- Save & invest · 20%₹17,079
Build an emergency fund of ₹2,56,185 (6 months of needs), then keep investing ₹17,079 every month. That's how this salary turns into real money.