Salary Calculator - CTC to Take Home

Calculate your take-home salary from CTC with our free salary calculator. Get detailed breakdown of deductions including EPF, income tax, and professional tax.

Calculate Now

Enter Salary Details
₹10,00,000
₹3 Lakh₹1 Crore
40%
50%
₹0
Monthly Salary Breakdown
Total₹79,930
Take Home
₹74,601
EPF
₹1,800
Income Tax
₹3,329
Prof. Tax
₹200

Monthly CTC

₹83,333

Gross Salary

₹79,930

Total Deductions

₹5,329

Take Home

₹74,601
Monthly Salary Breakup
Earnings
Basic Salary₹33,333
HRA₹16,667
Special Allowance₹29,930
Gross Salary₹79,930
Deductions
EPF (Employee)-₹1,800
Professional Tax-₹200
Income Tax (TDS)-₹3,329
Net Take Home₹74,601

Save this calculation for reference

Ready to Start Investing?

Open a free demat account and start your investment journey today.

Zerodha• ₹0 BrokerageUpstox• Free AccountGroww• Zero AMC
View all offers
Affiliate links - we may earn commission at no extra cost to you
Download & Share Results
WhatsApp
Twitter
Facebook

What is CTC (Cost to Company)?

CTC or Cost to Company is the total amount a company spends on an employee annually. It includes your salary, allowances, benefits, and employer contributions to EPF, gratuity, and insurance. CTC is always higher than your take-home salary as it includes employer-side costs.

CTC Components Breakdown

ComponentDescriptionTypical %
Basic SalaryCore salary, affects EPF & gratuity40-50%
HRAHouse Rent Allowance40-50% of Basic
Special AllowanceFlexible componentVariable
EPF (Employer)12% of Basic (max ₹1,800/month)~5%
Gratuity4.81% of Basic~2%
InsuranceHealth & life insuranceVariable

Deductions from Salary

  • EPF (Employee): 12% of Basic Salary (max ₹1,800/month for PF calculation)
  • Professional Tax: ₹200/month in most states (₹2,400/year)
  • Income Tax (TDS): Based on tax slab and regime
  • Other Deductions: Loan EMIs, insurance premiums, etc.

How to Increase Take Home Salary

  • Optimize HRA: Claim HRA exemption if paying rent
  • Use Food Coupons: Up to ₹26,400/year tax-free
  • LTA: Claim Leave Travel Allowance for domestic travel
  • NPS: Get additional ₹50,000 deduction under 80CCD(1B)
  • Reimbursements: Mobile, internet, fuel on actuals
  • Flexible Benefits: Opt for tax-efficient components

Frequently Asked Questions

CTC includes everything the company spends on you (salary + EPF employer + gratuity + insurance). Take-home is what you receive after deducting EPF employee contribution, professional tax, and income tax. Take-home is typically 65-85% of CTC depending on tax bracket.

Basic salary is typically 40-50% of CTC. Companies keep it lower to reduce EPF and gratuity contributions. You can negotiate for higher basic if you want more EPF contribution and gratuity, but it may increase tax liability.

Professional tax is a state-level tax on salaried individuals. It varies by state - Maharashtra, Karnataka, West Bengal charge up to ₹2,500/year, while some states don't have it. It's deducted monthly from salary.

Use Section 80C (₹1.5L), 80D (health insurance), 80CCD (NPS), HRA exemption, home loan interest (80EEA), and LTA. In the new regime, fewer deductions are available but tax rates are lower.

Yes, gratuity is typically included in CTC (4.81% of basic salary). However, you only receive it after completing 5 years of service. If you leave before 5 years, you forfeit this amount.
Disclaimer

This calculator is provided for informational purposes only. The results are estimates and should not be considered as financial advice. Actual values may vary based on various factors. Please consult a certified financial advisor before making any financial decisions.

Related Calculators

Income Tax CalculatorEPF CalculatorGratuity CalculatorHRA Calculator

Quick Tips

  • Use the sliders for quick adjustments
  • Compare different scenarios to find the best option
  • Download PDF to save your calculations
  • Share results with family for financial planning