CTC Salary Calculator
Calculate your in-hand salary from CTC with full breakup
₹12.00 LPA per annum
In-Hand Salary
₹90,300 /month
₹10,83,606 per year
Salary Structure
Earnings (Gross)
Deductions
CTC Components (Employer's Cost)
What is CTC Salary Calculator?
A CTC (Cost to Company) salary calculator helps you understand what your employer pays versus what you actually receive in your bank account each month. In India, the gap between CTC and in-hand salary can be surprisingly large once deductions like Provident Fund, income tax TDS, and professional tax are applied.
The calculator breaks your annual CTC into its components: basic salary, HRA (House Rent Allowance), special allowances, employer PF contribution, and other perquisites. It then applies the statutory deductions — employee PF at 12% of basic, income tax TDS computed against the new or old tax regime, and state-specific professional tax — to arrive at your monthly in-hand salary.
Understanding your CTC breakdown is essential when comparing job offers, negotiating a raise, or planning your finances. Two offers with the same CTC can yield very different in-hand amounts depending on how the salary is structured. For example, a higher basic salary increases your PF deduction but also boosts your PF corpus. A well-structured salary with optimal HRA can reduce your taxable income if you pay rent. This tool makes all those trade-offs transparent so you can make informed decisions about your compensation.
How to Use CTC Salary Calculator
- Enter your annual CTC
Type in your total Cost to Company package as quoted by your employer in your offer letter.
- Adjust salary components
Set your basic salary percentage, HRA, and other allowances, or use the auto-split defaults.
- Choose your tax regime
Select the new tax regime or old regime to see which results in lower TDS and higher take-home pay.
- Review your breakdown
See a full table of gross pay, all deductions (PF, TDS, professional tax), and your net monthly salary.
Key Benefits
All figures update in real time as you adjust your CTC or salary structure — no page reloads.
Compare new vs old tax regime side by side to pick the one that saves you more money.
All calculations run entirely in your browser. Your salary details are never sent to any server.
Every deduction — PF, HRA exemption, standard deduction, professional tax — is itemised clearly.
Frequently Asked Questions
CTC is the total amount a company spends on an employee including employer PF, gratuity, and all allowances. In-hand salary is what you receive after deducting employee PF, income tax TDS, and professional tax.
Employee PF is 12% of your basic salary, subject to a wage ceiling. The employer contributes a matching 12%, which forms part of your CTC but is deposited into your PF account, not your bank.
It depends on your deductions. The old regime suits those with significant investments (80C), home loan interest, and HRA claims. The new regime is simpler and often better for those with fewer deductions.
Yes, professional tax rates vary by state. The calculator applies standard professional tax slabs. The maximum professional tax in India is Rs 2,500 per year.