Salary Breakdown Calculator
Calculate detailed salary breakdown from CTC with all components
Monthly take-home
₹98,000
- Monthly CTC
- ₹1,00,000
- Annual basic
- ₹4,80,000
- Annual HRA
- ₹2,40,000
- Annual special allowance
- ₹4,80,000
- Annual bonus
- ₹0
- Other allowances
- ₹0
- Gross earnings
- ₹12,00,000
- Employee PF (annual)
- ₹21,600
- Employer PF (annual, not deducted)
- ₹21,600
- Professional tax (annual)
- ₹2,400
- Income tax (use the income-tax calculator)
- ₹0
- Total deductions
- ₹24,000
- Net salary (annual)
- ₹11,76,000
- Annual take-home
- ₹11,76,000
- Monthly take-home
- ₹98,000
- Monthly basic
- ₹40,000
- Monthly HRA
- ₹20,000
- Monthly special allowance
- ₹40,000
- Monthly other allowances
- ₹0
- Monthly gross
- ₹1,00,000
- Monthly EPF
- ₹1,800
- Monthly professional tax
- ₹200
- Monthly deductions
- ₹2,000
- Monthly net salary
- ₹98,000
- Income tax (TDS) is not deducted here; professional tax is taken as a flat ₹200/month.
What this calculator does
Break down your Cost to Company (CTC) into gross salary, deductions (PF, PT, tax), and take-home salary. Understand all components of your salary structure.
How it is calculated
- CTC = Gross Salary + Employer Contributions (PF, gratuity, etc.)
- Gross Salary = Basic + HRA + Special Allowance + Other allowances
- Basic typically 40-50% of CTC, HRA is 40-50% of basic (varies by company)
- Employee PF: 12% of Basic + DA (mandatory for salary <₹15,000)
- Employer PF: 12% (3.67% to EPF + 8.33% to EPS)
- Professional Tax: State-specific (₹200/month in most states, max ₹2,500/year)
- In-hand = Gross - (EPF + PT + TDS + other deductions)
Tax and compliance notes
- Standard deduction: ₹75000 available in new regime and ₹50000 in old regime
- TDS deducted based on regime chosen and investment declarations
- PF contribution (employee + employer) part of CTC but not in-hand
- Bonus, incentives taxed as per slab; may attract higher TDS
- Submit Form 12BB for claiming exemptions like HRA, LTA
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