CTC Calculator India

Free CTC to take-home salary calculator. Instantly see your monthly in-hand pay with Basic, HRA, EPF, PT, and income tax deductions for FY 2025-26.

Use this free salary breakdown calculator to instantly convert your CTC into Basic Salary, HRA, EPF, Professional Tax, and in-hand salary — based on the latest Indian tax rules.

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City Type:

Metro cities: Delhi, Mumbai, Chennai, Kolkata (HRA = 50% of Basic).
Non-metro includes Hyderabad, Bangalore, Pune, etc. (HRA = 40% of Basic).

Monthly Take-Home Salary
₹0
Annual: ₹0
Monthly Earnings
Basic Salary (50% of CTC) ₹0
HRA (50% of Basic) ₹0
Special Allowance ₹0
Gross Salary ₹0
Monthly Deductions
Employee PF (12% of Basic, capped) ₹0
Professional Tax (Telangana) ₹0
Income Tax (TDS) (New Regime FY25-26) ₹0
Total Deductions ₹0
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How to Use This CTC Calculator

1

Enter Your Annual CTC

Type your annual Cost to Company in the input field above, or tap one of the quick-select preset buttons.

2

Select Metro or Non-Metro

Choose your city type to get the correct HRA calculation — 50% of Basic for metro cities, 40% for non-metro.

3

View Your Salary Breakdown

Instantly see your monthly take-home salary, earnings breakdown, and all deductions including EPF and Professional Tax.

What is Cost to Company (CTC)?

Cost to Company (CTC) is the total expenditure a company incurs on an employee in a financial year. It includes your direct salary components (Basic, HRA, Special Allowance) as well as indirect benefits like the employer’s PF contribution, gratuity, insurance premiums, and any other perks. CTC is not the amount you take home — your actual in-hand salary is lower after statutory deductions.

CTC Formula:

CTC = Gross Salary + Employer PF + Employer ESI + Gratuity + Other Benefits

Understanding how your CTC translates into monthly take-home pay is essential for financial planning. Our payroll software automates this entire breakdown for every employee in your organisation, ensuring accuracy and compliance.

Understanding the Indian Salary Structure

Basic Salary

Basic Salary is the core component of your salary, typically set at 40–50% of CTC by most Indian companies. It serves as the foundation for calculating other components like HRA, PF, and gratuity. A higher basic means better retirement savings through PF, but also increases your taxable income.

House Rent Allowance (HRA)

HRA is calculated as a percentage of Basic Salary — 50% for metro cities (Delhi, Mumbai, Chennai, Kolkata) and 40% for non-metro cities including Hyderabad. If you live in rented accommodation, you can claim a tax exemption on HRA under Section 10(13A) of the Income Tax Act, subject to certain limits.

Employee Provident Fund (EPF)

Both the employer and employee contribute 12% of Basic Salary towards EPF. This contribution is capped at a statutory wage ceiling of ₹15,000 per month, making the maximum contribution ₹1,800/month from each side. EPF is a mandatory retirement benefit governed by the EPFO. Learn more about PF and other statutory requirements on our compliance page.

Special Allowance

Special Allowance is the balancing figure in your salary structure — it is the amount remaining after Basic, HRA, and Employer PF are subtracted from CTC. Unlike HRA, Special Allowance is fully taxable and does not qualify for any specific tax exemption.

Professional Tax

Professional Tax is a state-level tax on salaried individuals. In Telangana, it is ₹200 per month for employees earning above ₹20,000/month, with a maximum annual cap of ₹2,500 across India. Your employer deducts PT from your salary and remits it to the state government. Read our detailed Professional Tax in Telangana guide for slab rates and filing procedures.

❓ Frequently Asked Questions

CTC Calculator FAQ

CTC (Cost to Company) is the total amount a company spends on an employee annually, including salary, benefits, PF contributions, and bonuses. Take-home salary (net salary) is what you actually receive after deducting Employee PF, Professional Tax, and Income Tax from your gross salary. CTC is always higher than take-home pay.
Basic Salary is typically set at 40-50% of CTC by most Indian companies. Our calculator uses 50% as the standard. Basic Salary is the foundation for calculating other components like HRA, PF, and gratuity. A higher basic means higher PF contributions and better retirement savings, but also higher tax liability.
As per current EPFO rules, the employer and employee each contribute 12% of Basic Salary towards EPF. However, this contribution is capped at a statutory wage ceiling of Rs. 15,000 per month, meaning the maximum PF contribution is Rs. 1,800 per month (Rs. 21,600 per year) from each side. Companies may offer a higher voluntary PF contribution.
In Telangana (including Hyderabad), Professional Tax is Rs. 200 per month for employees earning more than Rs. 20,000 per month. This is the maximum PT amount — it is capped at Rs. 2,500 per year across India. PT is deducted by the employer and remitted to the state government.
Yes. HRA is calculated as a percentage of Basic Salary — 50% for metro cities (Delhi, Mumbai, Chennai, Kolkata) and 40% for non-metro cities (including Hyderabad, Bangalore, Pune, etc.). This distinction affects both the HRA component of your salary and the HRA tax exemption you can claim under Section 10(13A).
This calculator provides an accurate estimate based on standard Indian salary structures for FY 2025-26. It uses 50% Basic, standard HRA rates, current EPF caps (Rs. 15,000 wage ceiling), and Telangana Professional Tax rates. Actual take-home may vary based on your company-specific salary structure, income tax slab, and additional deductions.
In-hand salary equals CTC minus employer PF minus employee PF minus Professional Tax minus income tax (TDS). For example, if your CTC is Rs 10 lakh, after deducting employer PF (Rs 21,600), employee PF (Rs 21,600), PT (Rs 2,400), and estimated income tax, your in-hand salary is approximately Rs 72,000 to Rs 75,000 per month depending on your tax regime.
For most Indian employees, take-home salary ranges from 70% to 80% of CTC for salaries up to Rs 10 lakh, and 60% to 70% for higher CTCs due to increased income tax. The exact percentage depends on your salary structure, PF contributions, professional tax, and income tax slab under the old or new tax regime.
Under the new tax regime for FY 2025-26, income up to Rs 4 lakh is tax-free, with slabs of 5% (Rs 4-8 lakh), 10% (Rs 8-12 lakh), 15% (Rs 12-16 lakh), 20% (Rs 16-20 lakh), 25% (Rs 20-24 lakh), and 30% above Rs 24 lakh. A rebate under Section 87A makes income up to Rs 12 lakh effectively tax-free. Plus 4% health and education cess on total tax.
Yes. This CTC calculator works for all Indian cities. Select Metro for Delhi, Mumbai, Chennai, or Kolkata (50% HRA). Select Non-Metro for Hyderabad, Bangalore, Pune, Ahmedabad, and all other cities (40% HRA). Professional Tax rates vary by state but this calculator uses the Telangana rate of Rs 200 per month as a standard estimate.
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