Free salary tool

How much of your CTC do you actually take home?

Enter your annual CTC and instantly see the breakdown, basic, HRA, PF, TDS, and your exact monthly take-home. Updated for FY 2025-26.

Calculate your take-home →
✓ Free tool ✓ No data stored ✓ FY 2025-26 rates
CTC Breakdown
₹15,00,000 / year
FY 2025-26
Basic Salary
₹7,50,000 ✔
HRA
₹3,75,000 ✔
Employer PF
₹21,600 ✔
Gratuity
₹36,075 ✔
Monthly take-home ₹87,425

HOW IT WORKS

Three steps to your take-home salary

1

Enter your CTC

Type your annual Cost to Company. That's it, one number to start.

2

We calculate everything

PF, ESI, TDS, gratuity, professional tax, all computed using FY 2025-26 statutory rates.

3

See your take-home

Monthly and annual breakdown. Earnings, deductions, and employer costs, all in one view.

Calculate your take-home salary

Enter your annual CTC to see the complete breakdown.

₹
₹3L₹1Cr

Monthly Salary Breakdown

Earnings
Basic₹50,000
HRA₹25,000
Special Allowance₹20,795
Deductions
Employee PF-₹1,800
Professional Tax-₹200
Income Tax (TDS)-₹0
Monthly Take-Home₹93,795
Annual Take-Home₹11,25,540
Employer Cost (included in CTC)
Employer PF₹1,800
Gratuity₹2,405

What's included in your CTC

💰

Basic Salary

50% of CTC under new labour codes. The base for PF, gratuity, and HRA calculations.

🏠

House Rent Allowance

40-50% of basic depending on city. Tax-exempt under old regime if you pay rent.

📋

Provident Fund

12% employee + 12% employer on basic salary, capped at ₹15,000/month wage ceiling.

🏥

Employee State Insurance

Applicable if gross ≤ ₹21,000/month. Employee pays 0.75%, employer pays 3.25%.

✅

Gratuity

4.81% of basic, provisioned monthly by employer. Paid as lump sum after 5 years of service.

📊

Special Allowance

The residual amount after basic, HRA, and other fixed components. Fully taxable.

Common questions

What is CTC in salary?+
CTC stands for Cost to Company, the total annual amount your employer spends on you. It includes your gross salary plus employer contributions like PF (12%), ESI (3.25% if eligible), and gratuity (4.81% of basic). CTC is always higher than your take-home pay.
How is take-home salary calculated from CTC?+
Take-home = CTC minus employer costs (employer PF, ESI, gratuity) gives you gross salary. From gross, subtract employee deductions (employee PF, ESI, professional tax, TDS) to get your monthly take-home.
What percentage of CTC is take-home in India?+
Typically 65-75% for CTCs under ₹10 lakhs, and 55-65% for higher salaries. The exact percentage depends on your tax regime, city (metro vs non-metro affects HRA), and whether ESI applies.
What is the difference between CTC, gross salary, and net salary?+
CTC includes everything your employer pays, salary plus employer PF, ESI, gratuity. Gross salary is CTC minus employer contributions. Net salary (take-home) is gross minus employee deductions like PF, TDS, and professional tax.
How does the new tax regime affect take-home salary?+
The new regime (FY 2025-26) has lower tax rates and a ₹75,000 standard deduction, but you cannot claim exemptions for HRA, Section 80C, or LTA. For most employees earning under ₹15 lakhs, the new regime results in higher take-home pay.
Is this CTC calculator accurate?+
This calculator uses the latest FY 2025-26 statutory rates for PF, ESI, professional tax, and income tax slabs. Results are close approximations, actual take-home may vary slightly based on your specific salary structure, exemptions, and state. Consult a CA for formal tax planning.

Related reading

Blog
Indian salary structures and CTC
How to structure Basic, HRA and special allowance to maximise take-home without inflating employer cost.
Omnivoo
Contract management
Issue compliant offer letters with the exact CTC, basic and HRA your calculator just produced.

Know exactly what you'll take home

Updated for FY 2025-26. No sign-up needed.

Calculate your take-home →