How to Use This Tool — Step by Step
- Enter your Gross Annual CTC or Monthly Salary in the input field.
- Choose the appropriate state (defaults to Kerala).
- Select between the Old and New tax regimes for comparison.
- Click Calculate to view your final monthly take-home salary and deductions breakdown.
Key Benefits & Features
- ✓ Pre-configured Professional Tax (PT) rates for Kerala.
- ✓ Side-by-side comparison of the old vs. new tax regime.
- ✓ Includes standard deductions, HRA exemptions, and EPF metrics.
- ✓ Clean visual charts showing the breakdown of your CTC.
Real-World Use Cases
- 📌Financial Planning
- 📌Salary Deduction Estimate
Frequently Asked Questions
How is Professional Tax calculated in Kerala?
Professional Tax (PT) in Kerala is deducted monthly based on salary slabs defined by the state government. The calculator uses the latest 2026-27 state legislation slabs to determine your exact deduction.
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) includes all salary components, bonuses, and retirement benefits. In-hand salary is the actual amount credited to your bank account after deductions like PF, Professional Tax, and Income Tax (TDS).
Estimating Your Take-Home Salary in Kerala
Understanding your actual cash-in-hand salary is crucial when evaluating job offers. Cost to Company (CTC) is often misleading as it includes corporate contributions and non-monetary perks. Our Kerala salary calculator computes the exact professional tax deduction and standard retirement fund parameters to give you a clear, realistic estimate of your monthly cash flow.