Business & Finance

Salary & CTC Calculator

Break CTC into take-home with PF, gratuity, ESI and tax.

Offer details

Take-home

Monthly in-hand
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Annual in-hand
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Total deductions
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In-hand as % of CTC
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Salary breakup

ComponentMonthlyAnnual Basis

Gratuity projection

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About Salary & CTC Calculator

Convert CTC into monthly in-hand salary. Model basic, HRA, special allowance, employer and employee PF, gratuity, ESI, professional tax and income tax under both regimes, compare offers and produce a full year-wise salary breakup.

What it does

How to use it

  1. Enter the annual CTC offered, or switch to Build-up mode to enter each component.
  2. Adjust the basic percentage, PF treatment and city type to match the offer letter.
  3. Read the monthly in-hand figure and the full deduction breakdown.
  4. Add a second offer to compare two jobs on take-home rather than headline CTC.

Salary & CTC Calculator is one of 50 free tools from CRMTECH Solutions. See all Business & Finance tools or browse every tool.

Frequently asked questions

Why is my in-hand so much lower than the CTC?

CTC includes costs the employer bears that never reach your bank account: the employer's 12% PF contribution, gratuity provision, insurance premiums and sometimes a performance bonus paid annually. Income tax and your own PF share are then deducted from what remains.

How is EPF calculated?

12% of basic plus dearness allowance from the employee, matched by 12% from the employer. Of the employer share, 8.33% goes to the pension scheme (EPS), capped at a wage ceiling of 15,000, and the balance to EPF. Many employers apply the 15,000 ceiling; the tool lets you choose.

When does gratuity become payable?

After five years of continuous service. It is 15 days of last-drawn basic plus DA for each completed year, computed as basic x 15 / 26 per year. Employers provision about 4.81% of basic annually, which is why it appears in CTC.

What is professional tax?

A state levy on salaried income, capped at 2,500 per year by the Constitution. Maharashtra, Karnataka, West Bengal, Tamil Nadu, Telangana and several other states charge it; Delhi, Haryana, UP and Rajasthan do not.

Is ESI deducted from my salary?

Only if your gross monthly wage is 21,000 or below. The employee contributes 0.75% and the employer 3.25%. Above that threshold ESI does not apply and medical cover is usually through a group insurance policy instead.

Is Salary & CTC Calculator free?

Yes. Salary & CTC Calculator is free for everyone and needs no sign-up to use. An account is only needed to export, download or print, because every export is recorded.

Are my files uploaded to a server?

No. Salary & CTC Calculator works inside your web browser, so the files you open are processed on your own device. If you sign in, the work you save (such as drafts and registers) is also kept in your account so it follows you to other devices.

Does it work on a phone?

Yes. It works in current versions of Chrome, Edge, Safari and Firefox on phones, tablets and computers, with nothing to install.