Salary Calculator India

CTC (Cost to Company) is your total package. To get in-hand salary:

1. Divide annual CTC by 12 to get monthly gross salary
2. Calculate Basic (typically 40% of gross) and HRA (50% of basic)
3. Deduct EPF (12% of basic), ESIC (0.75% of gross if under ₹21,000), and Professional Tax
4. The remaining amount is your in-hand salary

For example, a ₹6,00,000 CTC in Karnataka gives approximately ₹47,400/month in-hand (before income tax).

CTC includes everything the company spends on you: gross salary + employer EPF (12%) + employer ESIC (3.25%) + gratuity + other benefits. In-hand salary is what actually hits your bank account after deducting employee EPF, ESIC, Professional Tax, and income tax. The gap between CTC and in-hand is typically 20-30% depending on your salary level and state.

ESIC (Employee State Insurance Corporation) applies only when monthly gross salary is ₹21,000 or less. The employee pays 0.75% and the employer pays 3.25% of the gross salary. If your gross exceeds ₹21,000/month, ESIC is not deducted. This primarily affects daily wage and contract workers.

Karnataka: ₹200/month for salary above ₹15,000. Nil below ₹15,000.

Telangana: ₹150/month (₹15K-20K), ₹200/month (above ₹20K).

Tamil Nadu: Calculated on half-yearly basis. Nil up to ₹21,000. Ranges from ₹23 to ₹208/month for higher salaries.

Kerala: Slab-based from ₹120 to ₹208/month. Nil below ₹12,000.

Andhra Pradesh: ₹150/month (₹15K-20K), ₹200/month (above ₹20K).

Maximum Professional Tax across all Indian states is ₹2,500 per year.

For daily wage or contract workers, monthly salary = daily wage rate x days worked. The entire amount is treated as basic salary. EPF (12%) is deducted from this total. If the monthly total is ₹21,000 or less, ESIC (0.75%) also applies. Professional Tax is deducted based on the state.

For example, a worker earning ₹800/day for 26 days in Telangana earns ₹20,800 gross, with ₹2,496 EPF + ₹156 ESIC + ₹200 PT deducted, giving ₹17,948 in-hand.

No. Income tax depends on your chosen tax regime (old vs new), Section 80C deductions, HRA exemption, and other factors that vary per individual. This calculator shows salary after statutory deductions (EPF, ESIC, Professional Tax) only. We recommend consulting a Chartered Accountant for income tax computation.