On a gross salary of ₹12,00,000 a year, take-home is roughly ₹91,000–₹95,000 a month after EPF, professional tax and income tax. Enter your own figures below.
How in-hand salary is calculated
Your in-hand (take-home) salary is the gross minus three deductions:
- Employee EPF — 12% of basic pay (basic is usually 40–50% of gross). This is your own retirement saving, matched by the employer.
- Professional tax — a small state levy, capped at ₹2,500/year (≈₹200/month). Some states have none.
- Income tax — under the new regime, with the ₹75,000 standard deduction and the §87A rebate up to ₹12,00,000 taxable income, plus 4% cess.
Note: this uses gross salary, not full CTC. CTC also includes the employer's EPF and gratuity, which are not part of your take-home.
More India tools & guides
- India hub — all India calculators & guides.
- Income tax calculator — compare new vs old regime.
- GST calculator — add or remove 5/12/18/28% GST.
- Compound Interest — grow your EPF, PPF & SIPs.
Frequently asked questions
How is in-hand salary calculated in India?
Gross salary minus employee EPF (12% of basic), professional tax (~₹2,400/year) and income tax. This tool applies the new regime with the ₹75,000 standard deduction.
How much EPF is deducted?
12% of basic pay (plus DA), matched by the employer. Basic is typically 40–50% of gross. EPF lowers take-home but is your own retirement saving.
Is professional tax the same everywhere?
No — it's a state levy capped at ₹2,500/year; many states charge ~₹200/month and some (e.g. Delhi, Haryana) charge none. We use ₹2,400/year as an estimate.
Estimates for guidance only, not tax advice. Confirm with the Income Tax Department or your employer.