Calculate your take-home salary from CTC with PF, gratuity, and new vs old tax regime comparison. Built for Indian professionals.
HRA exemption applied: ₹16,000 / month. Taxable income: ₹9,33,000 / year. Gratuity accrues at ₹57,720 / year (paid after 5 years of service).
Your employer also contributes 12% of basic to PF — ₹1,800 / month — which is separate and not part of take-home. Estimates only — consult a CA for exact figures.
Get our new-vs-old tax regime comparison sheet for FY 2025-26 with real examples.
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