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Take Home Salary Calculator
Detailed deduction-wise breakup of your monthly take-home.
Enter values to see your result
Frequently asked questions
How can I increase take-home?
Claim HRA exemption (if renting), maximise 80C investments (reduces tax), ensure TDS aligns with actual liability (avoid over-deduction).
Does PF reduce my salary?
Technically yes — 12% of basic is deducted. But it's your own savings, tax-free, earning 8%+. Better viewed as forced retirement savings than a loss.
What about CTC benefits not in pay-slip?
Gratuity, group insurance, meal coupons — these are in CTC but don't appear in monthly pay-slip. Your take-home is lower than expected if CTC includes heavy benefits.