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Free CTC Calculator India 2025

Calculate accurate Cost to Company, in-hand salary, PF, gratuity, and tax deductions instantly. Built for Indian employees and HR professionals.

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CTC Calculator India

Accurate salary breakup as per Indian payroll rules (FY 2025-26)

Updated for new tax regime

Total CTC (Annual)

₹ {{ formatNumber(ctcData.totalCTC) }}
Cost to Company

Monthly In-hand

₹ {{ formatNumber(ctcData.monthlyInhand) }}
Take Home Salary

Annual Deductions

₹ {{ formatNumber(ctcData.totalDeductions) }}
PF + Tax + Professional Tax

Basic Salary Details

Usually 50-100% of basic for government/PSU

Allowances

Standard exemption up to ₹1,600/month

Employer Contributions

Standard EPFO rate: 12%
Standard: 4.81% of basic

Employee Deductions

Varies by state (₹200-250 average)
As per new/old tax regime

Detailed Salary Breakup

Salary Component Monthly (₹) Yearly (₹) % of CTC
Basic Salary {{ formatNumber(ctcData.monthlyBasic) }} {{ formatNumber(ctcData.yearlyBasic) }} {{ formatNumber((ctcData.yearlyBasic/ctcData.totalCTC)*100) }}%
Dearness Allowance (DA) {{ formatNumber(ctcData.monthlyDA) }} {{ formatNumber(ctcData.yearlyDA) }} {{ formatNumber((ctcData.yearlyDA/ctcData.totalCTC)*100) }}%
House Rent Allowance (HRA) {{ formatNumber(ctcData.monthlyHRA) }} {{ formatNumber(ctcData.yearlyHRA) }} {{ formatNumber((ctcData.yearlyHRA/ctcData.totalCTC)*100) }}%
Special Allowance {{ formatNumber(ctcData.monthlySpecial) }} {{ formatNumber(ctcData.yearlySpecial) }} {{ formatNumber((ctcData.yearlySpecial/ctcData.totalCTC)*100) }}%
Conveyance Allowance {{ formatNumber(ctcData.monthlyConveyance) }} {{ formatNumber(ctcData.yearlyConveyance) }} {{ formatNumber((ctcData.yearlyConveyance/ctcData.totalCTC)*100) }}%
Medical Allowance {{ formatNumber(ctcData.monthlyMedical) }} {{ formatNumber(ctcData.yearlyMedical) }} {{ formatNumber((ctcData.yearlyMedical/ctcData.totalCTC)*100) }}%
Other Allowances {{ formatNumber(ctcData.monthlyOther) }} {{ formatNumber(ctcData.yearlyOther) }} {{ formatNumber((ctcData.yearlyOther/ctcData.totalCTC)*100) }}%
Employer PF {{ formatNumber(ctcData.monthlyEmployerPF) }} {{ formatNumber(ctcData.yearlyEmployerPF) }} {{ formatNumber((ctcData.yearlyEmployerPF/ctcData.totalCTC)*100) }}%
Gratuity {{ formatNumber(ctcData.monthlyGratuity) }} {{ formatNumber(ctcData.yearlyGratuity) }} {{ formatNumber((ctcData.yearlyGratuity/ctcData.totalCTC)*100) }}%
Bonus/Incentives {{ formatNumber(ctcData.monthlyBonus) }} {{ formatNumber(ctcData.yearlyBonus) }} {{ formatNumber((ctcData.yearlyBonus/ctcData.totalCTC)*100) }}%
Gross Earnings {{ formatNumber(ctcData.monthlyGross) }} {{ formatNumber(ctcData.yearlyGross) }} {{ formatNumber((ctcData.yearlyGross/ctcData.totalCTC)*100) }}%
Employee PF {{ formatNumber(ctcData.monthlyEmployeePF) }} {{ formatNumber(ctcData.yearlyEmployeePF) }} {{ formatNumber((ctcData.yearlyEmployeePF/ctcData.totalCTC)*100) }}%
Professional Tax {{ formatNumber(ctcData.monthlyPT) }} {{ formatNumber(ctcData.yearlyPT) }} {{ formatNumber((ctcData.yearlyPT/ctcData.totalCTC)*100) }}%
Income Tax {{ formatNumber(ctcData.monthlyIT) }} {{ formatNumber(ctcData.yearlyIT) }} {{ formatNumber((ctcData.yearlyIT/ctcData.totalCTC)*100) }}%
Net Take Home {{ formatNumber(ctcData.monthlyNet) }} {{ formatNumber(ctcData.yearlyNet) }} {{ formatNumber((ctcData.yearlyNet/ctcData.totalCTC)*100) }}%
Note: Calculations are approximate and based on standard Indian payroll rules (FY 2025-26). Actual figures may vary based on company policies, tax regime selection, and individual circumstances.

How to Use CTC Calculator

1
Enter Basic Salary

Input monthly basic salary - the foundation of your CTC calculation

2
Add Allowances

Include DA, HRA, special, and other allowances

3
Set Deductions

Configure PF, professional tax, and income tax

4
Get Results

View detailed salary breakup instantly

Understanding CTC Calculation in India

What is CTC?

CTC (Cost to Company) is the total amount a company spends on an employee annually. It includes:

  • Basic Salary + Allowances (HRA, DA, Conveyance, Medical, Special)
  • Employer PF Contributions (12% of basic)
  • Gratuity (4.81% of basic)
  • Bonus and Incentives
  • Other benefits (insurance, meals, etc.)

CTC vs In-hand Salary

Your in-hand salary is lower than CTC because of:

  • Employee PF contribution (12% of basic)
  • Professional Tax (varies by state)
  • Income Tax (as per applicable slab)
  • Employer contributions you don't receive directly

Tax Calculations FY 2025-26

New Tax Regime Slabs:
  • Up to ₹3,00,000 - Nil
  • ₹3,00,001 - ₹7,00,000 - 5%
  • ₹7,00,001 - ₹10,00,000 - 10%
  • ₹10,00,001 - ₹12,00,000 - 15%
  • ₹12,00,001 - ₹15,00,000 - 20%
  • Above ₹15,00,000 - 30%
Standard Deductions:
  • Standard Deduction: ₹50,000
  • HRA Exemption (as per city)
  • 80C Investments: Up to ₹1.5L
  • 80D Health Insurance: Up to ₹25,000

Frequently Asked Questions about CTC Calculation

CTC is calculated by adding basic salary, all allowances (HRA, DA, special, conveyance, medical), employer PF contributions (12% of basic), gratuity (4.81% of basic), and any bonuses or incentives. Our calculator automates this entire process following Indian payroll standards.

In-hand salary = Gross Salary - (Employee PF + Professional Tax + Income Tax). Gross salary includes basic + all allowances. Our calculator shows both monthly and yearly in-hand amounts after all statutory deductions.

PF is calculated at 12% of basic salary + DA from both employee and employer. However, for basic salary above ₹15,000, employer PF contribution is optional. Our calculator follows EPFO guidelines for accurate PF calculation.

CTC includes employer contributions like PF and gratuity that employees don't receive directly. Take-home salary is the actual amount credited to your bank account after all deductions. Typically, take-home is 70-80% of CTC depending on the salary structure.

Gratuity is calculated as (Basic + DA) × 15/26 × years of service. In CTC calculation, employers typically contribute 4.81% of basic towards gratuity. This amount is part of your CTC but received only after 5 years of continuous service.

HRA exemption is the minimum of: a) Actual HRA received, b) 50% of basic (metro cities) or 40% (non-metro), c) Rent paid minus 10% of basic. Our calculator considers city type for accurate HRA calculation.

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