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EPF, PT & TDS Breakdown

Salary In-Hand / CTC Breakdown Calculator

Convert Annual CTC to Exact Monthly In-Hand Cash after EPF, PT & Tax TDS

All Calculators (11) How It Works Formula FAQs

Salary In-Hand / CTC Breakdown Calculator

Estimate your exact monthly in-hand take-home salary from your Annual Cost to Company (CTC) after EPF, Professional Tax, and Income Tax TDS.

EPF & TDS Model
₹
%
₹
Estimated Monthly In-Hand Cash
₹ 87,400
Gross Monthly Salary ₹ 1,00,000
Monthly Employee EPF (12% of Basic) - ₹ 4,800
Monthly Professional Tax - ₹ 200
Estimated Monthly TDS Tax (New Regime) - ₹ 7,600
Optimize Salary Structure with Tax Advisor
In-Depth Overview

About the Salary In-Hand / CTC Breakdown Calculator

Calculate your true monthly take-home salary from your Annual Cost to Company (CTC). Understand salary component breakdowns including Basic Pay, HRA, Employee EPF (12%), State Professional Tax (PT), and estimated monthly Income Tax TDS under the New Tax Regime.

Key Capabilities & Features

  • Converts annual CTC offer letters into accurate monthly bank credit estimates
  • Incorporates statutory 12% EPF (Employee Provident Fund) deduction model
  • Includes state-level Professional Tax (PT) and AY 2026-27 income tax TDS
  • Helps job seekers negotiate compensation structures and compare job offers
  • Provides expert advice on restructuring CTC allowances (NPS, Food Coupons, LTA)
Step-by-Step Guide

How Does the Salary Calculator Work?

Follow these simple steps to obtain instant, legally validated mathematical and tax calculations.

1

1. Enter Annual CTC

Input your total Cost to Company (CTC) offered in your employment contract or appraisal letter.

2

2. Configure Basic Salary Percentage

Adjust the Basic Salary percentage (standard industry norm is 40% to 50% of CTC).

3

3. Enter Monthly Professional Tax

Input monthly state Professional Tax (typically ₹200 in Maharashtra, Karnataka, Telangana, etc.).

4

4. View Net Take-Home Salary

Instantly view monthly gross pay, EPF deduction, PT, estimated monthly TDS, and net credited salary.

Mathematics & Law

Formula & Calculation Logic

Mathematical Formula
Monthly In-Hand = Monthly Gross Salary - (Employee EPF + Professional Tax + Monthly TDS Tax)

Cost to Company (CTC) is divided into 12 monthly cycles to determine Monthly Gross Salary. Basic salary is typically structured at 40% to 50% of CTC. Employee Provident Fund (EPF) is deducted at 12% of basic salary. State Professional Tax (PT) is deducted (typically ₹200/month). Estimated annual income tax under the default New Tax Regime (after ₹75,000 standard deduction and slab computations) is divided across 12 months to determine monthly TDS deduction.

Expert Advisory Recommendation:

Online estimations provide mathematical clarity, but real-world filing involves matching multiple source ledgers (AIS/TIS, Form 26AS, GSTR-2B, broker P&L). Consult with an EasyFile Tax Specialist before submitting statutory tax returns to avoid mismatch intimations.

Got Questions?

Frequently Asked Questions

Expert answers on statutory compliance, exemptions, and calculation rules.

CTC includes both direct earnings (basic, HRA, special allowance) and statutory employer costs (Employer EPF, Gratuity provision, insurance). Furthermore, employee deductions (Employee EPF, Professional Tax, Income Tax TDS) are subtracted before bank credit.

The statutory Employee Provident Fund (EPF) contribution is 12% of Basic Salary + DA contributed by the employee, matched by a 12% contribution by the employer (which includes EPS pension fund).

You can optimize in-hand salary by choosing the New Tax Regime (lower TDS deductions), structuring tax-free allowances (telephone reimbursement, food allowance), and opting for voluntary corporate NPS under Section 80CCD(2).

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