Enter your annual CTC and get a complete breakdown: basic salary, HRA, PF (employee + employer), professional tax, income tax under the new and old regimes, and exact monthly take-home pay.
How CTC is Structured in India
CTC (Cost to Company) = Basic Salary + HRA + Special Allowance + Employer PF + Gratuity + Other Benefits
Take-Home = CTC − Employer PF − Gratuity − Employee PF − Professional Tax − Income Tax
Typical split: Basic = 40–50% of CTC, HRA = 40–50% of Basic (metro cities), Special Allowance = remainder.
Salary Calculator FAQs
CTC is the total annual cost to the employer. In-hand (take-home) is what you receive monthly after deductions. CTC includes employer PF (12% of basic, max ₹1,800/month), gratuity provision (~4.81% of basic), and all allowances. Your actual take-home is typically 70–85% of CTC depending on tax bracket.
New regime (default from FY 2023-24): Lower tax rates but no deductions (no 80C, 80D, HRA). Old regime: Higher rates but allows deductions up to ₹1.5L (80C), ₹25K/50K (80D), HRA exemption, etc. New regime is generally better if your total deductions are below ~₹2–2.5L. Use this calculator to compare both.
Professional Tax is a state-level tax deducted by employers. Maximum is ₹2,500/year. It applies in Maharashtra (₹200/month above ₹10K salary), Karnataka (₹200/month above ₹15K), and a few other states. Delhi, Uttar Pradesh, and Rajasthan do not levy professional tax.
