CTC
No signupEmployee Cost Calculator
Work out the true cost of hiring someone - gross salary plus employer PF, ESI, gratuity, and bonus.
Open toolCTC
Salary Calculator
Break down an annual CTC into basic, HRA, deductions, and estimated monthly in-hand salary.
How to use it
Enter annual CTC, basic and HRA percentages and monthly professional tax; review the annual and monthly breakdown.
When it helps
Explore how the assumed salary structure affects estimated take-home pay.
Worked example
A CTC of 1,200,000 with basic set to 40% gives annual basic pay of 480,000.
Assumptions and privacy
Calculations run in your browser. Results are estimates based on your inputs and the model shown, with rounding differences possible. They do not replace a lender quote, payroll review, tax filing or professional advice. Confirm rates and rules for your situation before using the result.
The salary model uses FY 2025?26 new-regime slabs, a fixed standard deduction and simplified PF and rebate assumptions. It does not model every tax adjustment or individual circumstance.
About this calculator
Enter an annual CTC and this splits it into Basic, HRA, and other components, then estimates income tax under the new tax regime and shows your approximate monthly take-home pay after PF and professional tax.
Good to know
Frequently asked questions
Does this use the old or new tax regime?
It estimates tax under the new tax regime slabs, since that's the default regime and HRA exemption doesn't apply there - which keeps the estimate straightforward. The old regime depends on your specific deductions (80C, HRA exemption, etc.) and isn't modeled here.
Why is my actual in-hand salary different?
Actual payslips vary by company policy - bonus structuring, variable pay, exact PF wage ceilings, state-specific professional tax slabs, and other deductions all shift the number. Treat this as a close estimate, not a payslip.
What's Basic and why does it matter?
Basic pay is the base your PF contribution and gratuity are calculated from - typically 40-50% of CTC. A higher Basic means higher PF deduction but also higher retirement savings.
quick_facts.json
{
"runs_in_browser": true,
"data_sent_to_server": false,
"signup_required": false,
"price": "free",
"category": "Payroll & HR"
}
Related calculators
PF
No signupPF / ESI Calculator
Calculate employee and employer PF and ESI contributions from Basic+DA and gross salary.
Open tool