Salary / CTC Breakup Calculator
See an approximate breakup of your CTC into Basic, HRA and other components, and your likely monthly in-hand salary.
Show solution steps
File your taxes the easy way
Partner offers
File your Income Tax Return online
Guided e-filing with maximum refund, in minutes.
Start filing →
Get a lifetime-free credit card
Rewards on every spend, no joining fee.
Check eligibility →
We may earn a commission if you sign up through these links, at no extra cost to you.
What is the Salary / CTC Breakup Calculator?
A salary/CTC calculator breaks your total Cost to Company into its components and estimates the in-hand pay after PF, gratuity and taxes — the number that actually reaches your account.
How to Calculate
Using standard assumptions (Basic = 40% of CTC, HRA = 50% of Basic, employer PF 12%), it subtracts employer PF, gratuity, employee PF and professional tax to estimate in-hand pay.
Formula
In-hand ≈ CTC − employer PF − gratuity − employee PF − professional tax
How to Use
- Enter your details in the fields above.
- The result updates instantly as you type.
- Use Copy, Print or Download PDF to save your result.
Frequently Asked Questions
Why is in-hand lower than CTC?
CTC includes employer contributions (PF, gratuity) that don't reach your bank account, plus deductions like your own PF, professional tax and TDS.
Was this calculator helpful?
Thanks for your feedback!