CTC → Gross salary
CTC can contain employer contributions, gratuity and other benefits that are not monthly cash salary. The calculator separates those from the gross components you enter.
FINANCIAL CALCULATOR • INDIA
Turn your CTC into estimated in-hand salary.
See how annual CTC can translate into gross pay, employee deductions, estimated TDS and monthly take-home pay.
✓ New & old tax regime
✓ PF & gratuity
✓ Monthly + annual view
Example
₹10,00,000
Annual CTC
→
₹0
Estimated annual take-home
CALCULATOR
Build your salary structure
SALARY BREAKDOWN
Where does your CTC go?
0%take-home
Estimated in-hand₹0
Employee deductions₹0
Employer-side CTC₹0
Annual salary statement
EstimatedAnnual CTC₹0
Gross salary₹0
Employer PF₹0
Gratuity₹0
Employee PF−₹0
Professional tax−₹0
Income tax / TDS−₹0
Other deductions−₹0
Estimated annual in-hand₹0
SALARY COMPARISON
Compare CTC levels quickly
Use the calculator to test different offers such as ₹8 LPA, ₹10 LPA and ₹12 LPA. Change the CTC and components above and recalculate.
Gross → deductions
Employee PF, professional tax, TDS and other deductions reduce the amount that reaches your bank account.
Annual → monthly
Annual take-home is divided by 12 for a simple monthly estimate. Actual payroll can vary because of bonus timing, tax withholding and state-specific rules.
IMPORTANT
Tax-year and payroll notes
Tax year used: This calculator is configured for AY 2026–27 salary-tax estimation. The new-regime slabs used here are ₹0–₹4L nil, ₹4–₹8L 5%, ₹8–₹12L 10%, ₹12–₹16L 15%, ₹16–₹20L 20%, ₹20–₹24L 25%, and above ₹24L 30%, with 4% health and education cess. The calculator also applies the ₹60,000 Section 87A rebate where the simplified eligibility threshold is met.
PF: EPFO states that the standard employee contribution is 12% of basic wages plus applicable DA/retaining allowance; employer contribution is also generally 12%, with its internal allocation to EPF/EPS. Actual payroll treatment can depend on establishment, wage ceiling, voluntary higher contribution and other conditions.
Professional tax: This is not one nationwide fixed amount. Enter the annual amount applicable to your state and salary bracket.
Estimate only: This is an educational payroll estimator, not tax, payroll, legal or investment advice. Actual Form 16/TDS, exemptions, perquisites, surcharge, marginal relief, payroll timing and employer-specific salary structures can change the result.