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Salary and take-home calculator
Turn a yearly CTC into a monthly salary breakup and an estimated take-home, before income tax.
Take-home is shown before income tax (TDS). PF is 12% of basic, up to the ₹15,000 wage limit unless you choose full basic. ESI applies only when gross pay is ₹21,000 a month or less. These calculators give an estimate for planning. Rules, rates and limits are set by law, change over time and can depend on your case. Check with your legal or tax adviser before relying on a figure.
Common questions
Why is my take-home lower than gross?
Employee PF, ESI where it applies, professional tax and income tax are deducted from gross pay.
Is income tax included?
No. TDS depends on your regime, declarations and other income, so it is not in this estimate.
Why does my payslip differ?
Companies split pay in different ways and may pay PF on full basic. Your payslip is the source of truth.
Done by hand every month?
Tuling HRMS runs payroll with a dry run first, and keeps PF, ESI, professional tax and TDS right as the rules change.