Salary & CTC Calculator

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Salary & CTC Calculator India 2026 — CTC to In-Hand Monthly Salary

Convert your annual CTC to exact monthly in-hand salary. Get a complete salary slip breakdown — basic, HRA, PF, gratuity, professional tax, income tax, and net take-home pay.

In-hand salary from CTC: In-Hand = CTC − Employer PF (12% of basic) − Gratuity (4.81% of basic) − Employee PF (12% of basic) − Professional Tax − Income Tax TDS. Typical rule of thumb: In-hand monthly salary ≈ 70–75% of monthly CTC for most salary ranges in India.
Monthly In-Hand
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Annual In-Hand
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Total Deductions
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Enter Your CTC Details

₹1 L₹1 Cr
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20%60%
Deduction Settings
₹0₹2,500
₹0₹1.5 L

📄 Monthly Salary Slip

FY 2025-26
💰 Earnings
Basic Salary—
HRA (House Rent Allowance)—
Special Allowance—
Gross Monthly Salary —
➖ Deductions
Employee PF Contribution12% of basic (capped at ₹1,800) —
Professional Taxstate govt levy —
Income Tax (TDS)monthly deduction —
Total Deductions —
📋 CTC Components (Not in Salary Slip)
Employer PF Contribution12% of basic — part of CTC, not in take-home —
Gratuity Provision4.81% of basic — paid after 5 years service —
🏠 Monthly In-Hand (Net Take-Home)
After all deductions
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📊 CTC Breakdown — Where Does Your Package Go?

📋 Typical Salary Structure in India — CTC Breakup Reference

Standard salary breakup components as a % of CTC used by most Indian companies:

ComponentTypical %TaxabilityNotes
Basic Salary40–50% of CTCFully taxableBase for PF, HRA, gratuity calculation
HRA40–50% of BasicPartially exemptExempt: min of actual HRA, rent paid−10% basic, 50%/40% of basic
Special AllowanceBalance after othersFully taxableFlexible component — varies by company
LTA5–10% of BasicExempt twice in 4 yearsLeave Travel Allowance for domestic travel
Medical Allowance₹1,250/monthFully taxable (new regime)Was exempt under old regime up to ₹15,000/year
Employee PF12% of BasicTax-free (deduction)Deducted from gross salary; qualifies for 80C
Employer PF12% of BasicPart of CTC onlyDoes not appear in take-home; credited to EPF account
Gratuity4.81% of BasicTax-free up to ₹20LPaid only after completing 5 years of service

📖 How to Use This Salary & CTC Calculator

  1. Enter Annual CTCType your total annual CTC from your offer letter or appointment letter. This is the complete package before any deductions.
  2. Set Basic & HRA %Most companies set Basic at 40–50% of CTC. HRA is typically 40–50% of Basic (50% in metro cities). Check your offer letter for exact figures.
  3. Configure DeductionsToggle PF and gratuity if included in your CTC. Set your state's professional tax. Select new or old tax regime.
  4. Read Your Salary SlipSee a full monthly salary slip — gross earnings, all deductions, and the final in-hand take-home amount. The CTC components section explains what's in your package but not in your bank account.

✅ Why Use This Calculator

📄

Full Salary Slip

Generates a complete salary slip with every component — not just a number.

💡

CTC vs Take-Home

Clearly shows what's in your CTC but not in your take-home — PF and gratuity.

🏙️

Metro vs Non-Metro

Adjusts HRA exemption for metro (50%) and non-metro (40%) cities correctly.

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Old vs New Regime

Compare take-home under both tax regimes to decide which to opt for.

📊

Visual Donut Chart

See at a glance how your CTC splits between take-home, PF, tax, and gratuity.

🔒

100% Private

No data stored. Calculations run entirely in your browser.

❓ Salary & CTC Calculator — Frequently Asked Questions

In-hand salary = CTC − Employer PF (12% of basic) − Gratuity (4.81% of basic) − Employee PF (12% of basic, max ₹1,800/month) − Professional Tax (₹200/month in most states) − Income Tax TDS. For ₹10L CTC with basic = ₹4L: Employer PF = ₹48K, Gratuity = ₹19.2K, so Gross = ₹9.33L/year. After employee PF (₹21.6K), PT (₹2.4K), and tax, in-hand ≈ ₹8.4–₹8.7L/year (₹70,000–₹72,500/month).
CTC (Cost to Company) = everything the company spends — includes employer PF and gratuity. Gross Salary = CTC − Employer PF − Gratuity = what you actually earn. In-Hand (Net) Salary = Gross − Employee PF − Professional Tax − Income Tax TDS = money deposited in your bank account. Example for ₹12L CTC: Gross ≈ ₹10.9L, In-Hand ≈ ₹9.2L–₹9.8L depending on tax regime and deductions.
Employee PF = 12% of basic salary, capped at ₹1,800/month if basic is above ₹15,000. Employer also contributes 12% of basic (8.33% to EPS, 3.67% to EPF). Both contributions are calculated on basic salary only — not on total CTC. EPF is tax-free on withdrawal after 5 years and qualifies for Section 80C deduction under old regime.
HRA exemption = Minimum of: (1) Actual HRA received, (2) Actual rent paid minus 10% of basic salary, (3) 50% of basic salary for metro cities or 40% for non-metro. You must actually pay rent and your landlord's PAN is required if annual rent exceeds ₹1 lakh. Under new tax regime, HRA exemption is NOT available — HRA is fully taxable.
Special allowance is the residual component of salary after Basic + HRA + other defined allowances. It is fully taxable under both old and new tax regimes. Most companies use special allowance as a flexible balancing component — it makes up 20–40% of gross salary for most employees. There are no deductions or exemptions available on special allowance.
Gratuity formula: (Basic Salary × Years of Service × 15) / 26. Example: ₹30,000 basic for 5 years = (30,000 × 5 × 15) / 26 = ₹86,538. In CTC, gratuity is provisioned at 4.81% of basic per year. You receive gratuity only after completing 5 years of continuous service. It is tax-free up to ₹20 lakh. The employer's gratuity provision is part of your CTC but does not appear in your monthly take-home.

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