Salary
Take-Home Salary Calculator
Turn your CTC into monthly in-hand pay.
Monthly in-hand
₹85.4K
Annual in-hand₹10.25L
Income tax₹0
Your PF₹72K
On ₹12,00,000 CTC, take-home is about ₹85,395/month (new regime; assumes basic = 50% of CTC).
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Frequently asked
Why is my in-hand less than my CTC?
CTC includes employer PF, gratuity and other costs that you never receive monthly. In-hand is CTC minus those, your own PF, professional tax and income tax.
Is the Take-Home Salary Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the Take-Home Salary Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.