Salary Calculators — Take Home, Gratuity & Bonus

Understand your exact salary breakdown with our free tools. Convert CTC to take-home pay, calculate tax deductions, estimate your gratuity payout, and check your statutory bonus eligibility.

Salary & Income Tools

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Salary After Tax Calculator – Net Pay India

Calculate your salary after tax deductions for FY 2025-26. Enter your CTC and see your net take-home pay after income tax, EPF, professional tax, and other deductions under Old and New regime.

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In-Hand Salary Calculator – Monthly Take Home

Calculate your monthly in-hand salary from gross or CTC. See detailed breakdown of EPF, professional tax, income tax deductions, and net pay credited to your bank account.

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CTC to Take Home Salary Calculator

Convert your CTC (Cost to Company) to actual take-home salary. See how CTC is split into basic, HRA, special allowance, EPF, gratuity, and deductions. Compare Old vs New tax regime impact.

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HRA Calculator – House Rent Allowance Exemption

Calculate HRA exemption for salaried employees. Compare all 3 HRA rules — actual HRA received, 50%/40% of basic, and rent minus 10% of basic. Find your maximum tax-exempt HRA.

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Gratuity Calculator – Calculate Gratuity Amount

Calculate gratuity amount based on last drawn salary and years of service. Uses the formula: Basic × 15/26 × years. Includes eligibility check, tax exemption limit (₹25 Lakh), and taxable amount.

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Bonus Calculator – Statutory & Performance Bonus

Calculate statutory bonus under Payment of Bonus Act. Covers minimum 8.33% to maximum 20% of salary (capped at ₹21,000/month). Know your annual bonus entitlement with detailed breakdown.

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💡 Understanding Indian Salary Structures

A Cost to Company (CTC) package in India usually comprises Direct Benefits (Basic, HRA, Special Allowance), Indirect Benefits (Employer EPF, Gratuity), and Taxes (Income Tax, Professional Tax).

A common misconception is that CTC equals your in-hand salary. In reality, Employer EPF (12% of basic) and Gratuity (4.81% of basic) are deducted from the CTC before arriving at your Gross Salary. From the Gross Salary, Employee EPF, Professional Tax, and Income Tax (TDS) are further deducted to give you your Net Take-Home Pay.

Pro tip: Always ask HR for the 'Gross Salary' instead of just the CTC. The Gross Salary determines what actually hits your bank account after mandatory deductions.