What this calculator does
This page helps you estimate the likely result for CTC to In-hand Salary Calculator from the details entered in the calculator below. Treat the output as a planning estimate, not as a substitute for the final filing computation.
Inputs explained
- Annual CTC: Use the figure relevant to your case and keep the unit consistent with the form.
- Basic Salary (% of CTC): Use the figure relevant to your case and keep the unit consistent with the form.
- HRA (% of Basic): Use the figure relevant to your case and keep the unit consistent with the form.
- EPF Contribution: Use the figure relevant to your case and keep the unit consistent with the form.
- Gratuity in CTC: Use the figure relevant to your case and keep the unit consistent with the form.
How it works / Method
The calculator uses the values you enter, applies the relevant rule logic for this topic, and updates the result summary immediately after calculation.
Formula or calculation logic
Calculate Take-home Salary
Salary Breakdown
Enter your CTC to see the salary breakdown.
Step-by-step example
- Enter Annual CTC as e for a sample case.
- Click the calculate button and review the Salary Breakdown panel.
Use cases
- Review salary or exemption planning before payroll proof submission.
- Check how changing one salary-related input affects the estimate.
- Prepare a cleaner draft working before filing.
Assumptions & limitations
- Results are estimates only and should be checked against the correct FY and AY rules.
- This page does not validate every exemption condition, document requirement, or edge case.
- Verify the latest filing rules before submitting returns, proofs, or tax payments.
Sources & references
Understanding CTC vs In-hand Salary
What is CTC?
CTC (Cost to Company) is the total amount a company spends on an employee annually. It includes:
- Gross Salary (Basic + HRA + Allowances)
- Employer's EPF contribution (12% of Basic)
- Gratuity provision (~4.81% of Basic)
- Insurance, bonuses, and other benefits
Why In-hand is Less Than CTC?
Typical CTC Breakup
- Basic40-50% of CTC
- HRA40-50% of Basic
- Special AllowanceRemaining amount
- Employer EPF12% of Basic (max ₹1,800/month)
- Gratuity~4.81% of Basic
FAQs
CTC includes employer's PF, gratuity, and other benefits that don't come directly to you. Additionally, your salary has deductions like employee PF, professional tax, and income tax.
Both employer and employee contribute 12% of (Basic + DA) to EPF. The statutory limit is Basic of ₹15,000/month, but many companies contribute on actual basic.
Gratuity is calculated as (15/26) × Basic × Years, which works out to about 4.81% of basic annually. Companies provision this amount though you receive it only after 5 years of service.
Always understand the complete breakup. Higher EPF means better retirement savings but lower immediate take-home. Variable pay affects actual vs promised CTC. Compare offers on in-hand basis.