Salary / CTC Calculator
Break down your CTC into take-home salary, HRA, PF, and deductions.
How it works
Enter your annual CTC (Cost to Company). The salary calculator breaks it down into basic salary, HRA, PF deduction, professional tax, and other allowances to show your monthly and annual in-hand take-home salary.
Why use this tool?
Job seekers in India use this tool to evaluate offer letters and negotiate salaries. HR professionals use it to explain CTC breakdowns to candidates. One of the most searched salary tools in India.
Frequently Asked Questions
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total amount a company spends on an employee annually, including PF, gratuity, and benefits. In-hand salary is what you actually receive in your bank account after all deductions.
What percentage of CTC do I actually take home?
For most salaried employees in India, in-hand salary is approximately 70–80% of CTC, depending on the salary structure and applicable deductions like PF and professional tax.
What is HRA and can I exempt it from tax?
HRA (House Rent Allowance) is a component of salary provided for housing costs. If you pay rent, you can claim HRA tax exemption under Section 10(13A) — one of the most valuable deductions for salaried employees.
Is this free?
Yes, completely free and updated for the latest Indian tax slabs.
Rate this tool:
Was this tool helpful?
People Also Used
Old vs New Tax Regime Calculator
Compare Old and New Income Tax Regime for FY 2025-26. See which regime saves you more tax with a detailed breakdown.
Loan EMI Calculator
Calculate monthly EMI payments for loans and mortgages.
SIP Calculator
Calculate the maturity value of your monthly SIP investments over time.