Salary / CTC Breakup Calculator
Convert your annual CTC to monthly in-hand salary with full breakdown of earnings and deductions.
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Your CTC (Cost to Company) and in-hand salary can differ significantly due to various deductions. Understanding the breakup helps you negotiate better offers and plan your taxes. Components like basic pay, HRA, PF, gratuity, and professional tax all affect what you actually take home each month. Estimate your income tax liability or check TDS deductions based on your salary structure.
CTC Breakdown Comparison for Different Salary Levels
| Annual CTC | Basic (40%) | HRA (50% of Basic) | Employer PF | Gratuity | Special Allowance | Monthly In-Hand* |
|---|---|---|---|---|---|---|
| ₹6,00,000 | ₹2,40,000 | ₹1,20,000 | ₹28,800 | ₹11,544 | ₹1,99,656 | ~₹42,000 |
| ₹10,00,000 | ₹4,00,000 | ₹2,00,000 | ₹48,000 | ₹19,240 | ₹3,32,760 | ~₹70,000 |
| ₹15,00,000 | ₹6,00,000 | ₹3,00,000 | ₹72,000 | ₹28,860 | ₹4,99,140 | ~₹1,02,000 |
| ₹25,00,000 | ₹10,00,000 | ₹5,00,000 | ₹1,20,000 | ₹48,100 | ₹8,31,900 | ~₹1,62,000 |
| ₹50,00,000 | ₹20,00,000 | ₹10,00,000 | ₹2,40,000 | ₹96,200 | ₹16,63,800 | ~₹2,95,000 |
*In-hand estimates assume no additional tax-saving investments. Actual in-hand varies based on tax regime chosen and declared deductions.
Key Salary Components Explained
Basic Salary
Usually 35-50% of CTC. This is fully taxable and forms the basis for PF, gratuity, and HRA calculations.
HRA (House Rent Allowance)
Typically 40-50% of basic. Partially tax-exempt if you live in rented accommodation.
Special Allowance
The balancing figure after all other components. Fully taxable.
Employer PF
12% of basic salary contributed to EPF. Part of CTC but not paid to you — credited to your PF account.
Gratuity
4.81% of basic (15/26 of monthly basic). Paid on exit after 5+ years of service.
Professional Tax
₹200-300/month depending on state. Deducted from salary before in-hand payment.
How to Calculate In-Hand Salary from CTC
In plain words
CTC (Cost to Company) is the total amount your employer spends on you annually. Your in-hand salary is lower because of statutory deductions (PF, professional tax), tax deductions (income tax), and employer-side contributions (employer PF, gratuity) that are part of CTC but not paid directly to you.
In-Hand Monthly = (CTC - Employer PF - Gratuity - Employee PF - Professional Tax - Income Tax) / 12
Standard CTC Breakdown:
Basic = 40% of CTC
HRA = 50% of Basic
Employer PF = 12% of Basic
Gratuity = 4.81% of Basic
Special Allowance = CTC - Basic - HRA - Employer PF - GratuityA quick example
Let us break down a typical salary package:
Step by step
- 1.Annual CTC: ₹12,00,000
- 2.Employer PF contribution: ₹57,600 (12% of basic)
- 3.Gratuity: ₹23,076 (4.81% of basic)
- 4.Special Allowance: ₹3,99,324 (balancing figure)
- 5.Employee PF: ₹57,600 (12% of basic)
- 6.Professional Tax: ₹2,400 per year
- 7.Estimated Income Tax: ~₹60,000 (simplified)
So the answer is: Monthly In-Hand ≈ ₹83,000 - ₹88,000 | Annual Deductions ≈ ₹2,20,000 | Tax as % of CTC: ~5-7%