Salary / CTC Breakup Calculator
Break down an annual CTC into basic, HRA, special allowance, and employer contributions, then estimate your monthly take-home pay after PF, professional tax, and income tax.
Most companies set basic salary between 30–60% of CTC; 40% is a common default. HRA, employer PF, and gratuity are then derived from basic.
How this calculator works
Enter your annual CTC and the basic salary percentage from your offer letter (or use the 40% default). The tool derives HRA (50% of basic), employer PF and gratuity contributions, and special allowance, then estimates your monthly take-home pay after employee PF, professional tax, and income tax under the new tax regime.
CTC vs gross salary vs take-home
These three numbers are often confused. CTC is everything the company spends on you annually, including employer PF and gratuity you don't see monthly. Gross salary is what actually shows up on your payslip before deductions. Take-home is gross salary minus your own PF contribution, professional tax, and income tax — the amount that actually lands in your bank account.
A note on accuracy
Real salary structures vary by company — some cap PF contributions, some skip gratuity for short tenures, and professional tax differs by state (this calculator uses a common flat estimate). The income tax figure uses the new regime's standard deduction and slabs; use the Income Tax Calculator for a full old-vs-new comparison with your actual deductions.
This tool runs entirely in your browser. Nothing you enter is uploaded or stored.
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