Free calculator
In-hand salary calculator.
From a monthly gross to what actually reaches the bank account, after PF, ESI and professional tax — and what the same salary costs the company.
Everything paid before deductions: basic, HRA and allowances.
Take-home, per month
₹38,050
before income tax (TDS)
- Gross salary
- ₹40,000
- PF (employee)
- − ₹1,800
- ESI (employee)
- − ₹0
- Professional tax
- − ₹150
- In hand
- ₹38,050
- Cost to the company
- ₹41,950
Cost to the company adds employer PF, PF admin and insurance, and employer ESI (ESI applies up to ₹21,000 gross). Income tax depends on the regime and declarations, so it isn’t included.
A guide for planning, using the standard rules. Your figures can differ with your company’s salary structure or state rules — check with your accountant before filing.
How it’s worked out
- 01
Start from gross
Gross is everything paid before deductions: basic, HRA and allowances.
- 02
Take off the employee’s deductions
PF is 12% of basic, capped at ₹1,800 a month. ESI is 0.75% of gross if gross is ₹21,000 or less. Professional tax depends on the state and the salary slab.
- 03
Add the employer’s share for cost to company
The employer pays its own 12% PF (split into pension and PF), a 0.5% PF admin charge, 0.5% for EDLI insurance and, where ESI applies, 3.25% of gross.
Common questions
Does this include income tax?
No. TDS depends on the tax regime, investments and declarations, so it varies too much to guess. Take-home here is before income tax.
Why does basic matter?
PF is charged on basic pay (plus DA), not on the whole gross. A higher basic means more PF, up to the ₹15,000 wage ceiling.
What is CTC?
Cost to company: the gross salary plus everything the employer pays on top of it — employer PF and charges, and employer ESI.
Kyvora works this out for every employee, every month.
Attendance, leave, PF, ESI and professional tax flow straight into payroll, payslips and the bank file.
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