India · Everyday tools
CTC Breakup Calculator
Break down your Cost to Company (CTC) into Basic Salary, HRA, allowances, PF contribution, and in-hand take-home salary.
Interactive calculator
CTC Breakup Calculator (India)
Break down your Cost to Company (CTC) package into core salary components, deductions, and estimated monthly in-hand salary.
| Salary Component | Monthly | Annually |
|---|---|---|
| Basic Salary | ₹50,000 | ₹600,000 |
| House Rent Allowance (HRA) | ₹20,000 | ₹240,000 |
| Special Allowance | ₹28,200 | ₹338,400 |
| Gross Earnings (A) | ₹98,200 | ₹1,178,400 |
| Employee PF Contribution (12% basic) | ₹1,800 | ₹21,600 |
| Professional Tax (PT) | ₹200 | ₹2,400 |
| Employer PF Contribution (Retirement benefit) | ₹1,800 | ₹21,600 |
| Estimated Take-Home (A - Deductions) | ₹96,200 | ₹1,154,400 |
Results
Monthly In-Hand Pay
₹96,200
Estimated net cash per month (pre-tax)
Annual Take-Home Pay
₹1,154,400
Estimated net cash per year (pre-tax)
Total Monthly Deductions
₹3,800
PF contributions + Professional Tax
How to use it
- 01Enter your annual gross CTC package.
- 02Optionally adjust the percentage allocations (Basic is usually 40% to 50% of CTC).
- 03Calculate to see a full monthly and annual salary breakup.
Result guide
- Basic Salary forms the core of your pay structure and determines PF and Gratuity.
- Provident Fund (EPF) represents both employee and employer savings contributions.
- Take-Home Pay is the cash remaining after tax, PF, and other structural deductions.
About this calculator
In India, job offers are typically presented as a Cost to Company (CTC) figure. However, the actual monthly cash that hits your bank account (in-hand salary) is much lower.
This calculator breaks down a gross CTC package into standard Indian components like Basic, HRA, Special Allowance, Professional Tax, EPF, and the final estimated take-home pay.
Frequently asked questions
What is the difference between CTC and in-hand salary?
CTC is the total cost a company incurs on an employee annually, including non-cash benefits and social security contributions. In-hand salary is the actual net cash an employee receives monthly after deducting income tax, EPF contributions, professional tax, and other company deductions.
Why is Basic Salary kept at 50% of CTC?
Under the Code on Wages in India, Basic Salary and other retirement benefits must constitute at least 50% of the total salary structure. This ensures adequate retirement contributions to EPF and Gratuity.
Are employer PF contributions part of my CTC?
Yes. Lenders and employers count the employer's share of EPF (12% of basic) as part of the overall CTC, even though you do not receive it in your monthly pay packet.
Method and limitations
This calculator uses the formula and assumptions described on this page. We do not claim independent professional review. Direct references will be listed here when they support a specific rule or data source used by this calculator.
Results are estimates for general information. Verify current rules and assumptions before making financial, tax, or health decisions.
Read our Editorial and Verification Policy →Related calculators
Keep the next question one click away.
In-Hand Salary Calculator
Estimate annual and monthly in-hand salary after employee PF, professional tax, and current FY 2025-26 income tax.
HRA Exemption Calculator
Estimate House Rent Allowance exemption for FY 2025-26 from basic salary, HRA received, rent paid, and metro status.
EPF Calculator
Estimate EPF corpus growth from basic salary, contribution rates, interest assumption, and salary growth.