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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.

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✓ 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.

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

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