Does this include professional tax?

Only if you type it. Maharashtra and a few states do this.

If bonus is yearly and not monthly, in-hand months will look higher than reality.

Tax slice here follows the same new-regime estimate as the tax tool.

Leave it out of CTC if you want a safer monthly number.

Tools / Take-home

Take Home Salary Calculator

CTC looks fat. In-hand is the number that pays rent. This splits PF and a rough yearly tax, then divides by 12.

Result breakdown

Rough monthly take-home: ₹45,000
Yearly employee PF: ₹28,800
Yearly employer PF (in CTC, not cash): ₹28,800
Estimated yearly tax + cess: ₹0
Professional tax / month: ₹200

This is an estimate, not an official figure.

How to use

Yearly CTC as in the offer letter.
Basic percent if you know it. 40 is a common placeholder.
Professional tax monthly if your state takes it. Else 0.

One example

CTC 6 lakh, basic 40%, employee PF 12% of basic, plus a rough new-regime tax. Monthly in-hand often lands in the mid 40s of thousands. Your structure can move it.

Common mistakes

Counting employer PF as something you receive in hand.
Ignoring gratuity and insurance in CTC.
Using this as Form 16.

FAQs

Does this include professional tax?: Only if you type it. Maharashtra and a few states do this.
Bonus in CTC?: If bonus is yearly and not monthly, in-hand months will look higher than reality.
Old vs new tax?: Tax slice here follows the same new-regime estimate as the tax tool.
Variable pay?: Leave it out of CTC if you want a safer monthly number.

Related tools

This is an estimate, not an official figure. CalcInHand is not a bank, Income Tax, GST or electricity board tool. Confirm important numbers on the official portal.