Salary & CTC Breakup Calculator
Calculate in-hand salary, PF, HRA exemption from your CTC package.
Your CTC Details
₹
Cost to Company (annual package)
Assumptions:
• Basic = 40% of CTC
• HRA = 50% of Basic
• PF = 12% of Basic (capped ₹15K/month)
• Professional Tax = ₹200/month
Monthly In-Hand Salary
₹90,200
After PF & Professional Tax
Annual In-Hand
₹10,82,400
CTC: ₹12,00,000
Monthly Salary Breakup
| Component | Monthly | Annual | Type |
|---|---|---|---|
| Basic Salary | ₹40,000 | ₹4,80,000 | Earning |
| HRA (50% of Basic) | ₹20,000 | ₹2,40,000 | Earning |
| Special Allowance | ₹35,200 | ₹2,40,000 | Earning |
| Gross Salary | ₹95,200 | ₹11,42,400 | Subtotal |
| PF (Employee 12%) | ₹4,800 | ₹57,600 | Deduction |
| Professional Tax | ₹200 | ₹2,400 | Deduction |
| Net In-Hand | ₹90,200 | ₹10,82,400 | Take-Home |
About CTC and In-Hand Salary
What is CTC vs Take-Home?
CTC (Cost to Company) is the total amount the employer spends on you. Take-home (in-hand) salary is what you actually receive after deductions. The gap can be significant — typically 25–40% of CTC is deducted for PF, gratuity, taxes, and insurance.
Key deductions explained
EPF: 12% of Basic salary (employee), 12% employer contribution is in your CTC
Professional Tax: ₹200/month in most states (varies)
TDS: tax deducted at source based on estimated annual income
Health insurance premium: often paid by employer, included in CTC
Gratuity: 4.81% of basic, payable after 5 years of service
HRA and metro cities
HRA exemption: least of actual HRA received, 50% basic (metro) or 40% (non-metro), actual rent minus 10% of basic
Metro cities: Mumbai, Delhi, Chennai, Kolkata
Non-metro: Bengaluru, Hyderabad, Pune, Ahmedabad qualify as non-metro for HRA
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