Free salary calculator: find your monthly in-hand take-home pay from CTC after PF, Professional Tax and TDS. Instant and India-specific.
A take-home salary calculator estimates your in-hand monthly pay after deductions like Provident Fund, Professional Tax and income tax (TDS) are removed from your CTC. Avani Business OS runs this exact calculation for every employee in payroll automatically.
In-hand = Gross salary − employee PF − Professional Tax − TDS. Gross is your monthly CTC minus the employer’s PF and gratuity provisions. This calculator assumes basic is a percentage of CTC (editable) and computes PF at 12% of basic, then subtracts PT and any TDS you enter.
CTC (Cost to Company) includes amounts the company spends that never reach your bank account — the employer’s PF contribution, gratuity provision, and sometimes insurance. After those and your own deductions (employee PF, Professional Tax, TDS), the in-hand figure is meaningfully lower than CTC.
Professional Tax (PT) is a small state-level tax on salaried income, typically up to ₹200/month, levied by states like Maharashtra, Karnataka, West Bengal, Tamil Nadu, Telangana and Gujarat. States like Delhi, Haryana, UP and Rajasthan do not levy PT — set it to 0 in those cases.
Yes. Avani computes gross, all statutory deductions (PF, ESI, TDS, PT) and net take-home for every employee each month, generates salary slips, and produces a bank transfer file — no spreadsheets.
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