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Free CTC Calculator India 2026

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

New Tax Regime vs. Old Tax Regime: Which One Gives You Higher In-Hand Salary?

Your choice of tax regime significantly impacts your take-home pay. Use our calculator to compare, but here's a quick guide to the key differences for FY 2025-26.

New Tax Regime (Default)

Best if: You have few investments (like 80C, 80D) and prefer lower tax rates with fewer compliance hassles.

Key Features:
  • Lower tax rates (slabs up to 30%).
  • Most exemptions & deductions not allowed (HRA, LTA, 80C, 80D, Standard Deduction).
  • Simpler to calculate.
Tax Slabs (FY 2025-26):
  • 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%

Old Tax Regime

Best if: You make significant investments (80C up to ₹1.5L, 80D, HRA, etc.) and can claim exemptions to reduce taxable income.

Key Features:
  • Higher tax rates, but...
  • Allows for many deductions & exemptions (HRA, 80C, 80D, Standard Deduction of ₹50,000, LTA, etc.).
  • More complex to calculate.
Key Deductions (to reduce taxable income):
  • Standard Deduction: ₹50,000 (automatically applied).
  • Section 80C: Up to ₹1.5 Lakh (PPF, ELSS, Life Insurance, etc.).
  • Section 80D: Health insurance premiums (up to ₹25,000 for self & family).
  • HRA Exemption: As per city and rent paid.

Tip: For a precise comparison, calculate your tax under both regimes using our CTC calculator by adjusting the "Annual Income Tax" input field based on your estimated liability.

How Our CTC Calculator Works: A Step-by-Step Example

Our calculator follows standard Indian payroll formulas to give you an accurate breakdown. Here's how we calculate the numbers for a sample CTC of ₹10,00,000 per year.

Step 1: We Start with Your Annual CTC

Let's take an annual CTC of ₹10,00,000. This is the total cost to your company.

Step 2: We Calculate Monthly Basic Salary

We assume a standard structure where Basic Salary is 40-50% of CTC. For this example, we use 40%.

  • Annual Basic: 40% of ₹10,00,000 = ₹4,00,000
  • Monthly Basic: ₹4,00,000 / 12 = ₹33,333

Step 3: We Calculate Allowances (HRA, DA, Special, etc.)

Allowances are calculated as a percentage of Basic or as fixed amounts, based on your inputs.

  • HRA (40% of Basic for Metro Cities): 40% of ₹33,333 = ₹13,333 per month.
  • Dearness Allowance (DA): Calculated based on your input percentage.
  • Special & Other Allowances: These are added as you specify. The calculator ensures the sum of all components matches your total CTC.

Monthly Gross Salary (Basic + All Allowances): ₹33,333 + ₹13,333 + ... = ₹66,667 (approx.)

Step 4: We Add Employer Contributions (Part of CTC)

These are costs you don't receive directly but are part of your CTC.

  • Employer PF (12% of Basic): 12% of ₹33,333 = ₹4,000 per month.
  • Gratuity (4.81% of Basic): 4.81% of ₹33,333 = ₹1,603 per month.

Step 5: We Subtract Employee Deductions to Get In-Hand Salary

Finally, we deduct the employee's contributions from the Gross Salary.

  • Employee PF (12% of Basic): 12% of ₹33,333 = ₹4,000 per month.
  • Professional Tax: A standard ₹200 per month.
  • Income Tax: Estimated based on your input (e.g., ₹30,000 annually = ₹2,500 per month).
  • Monthly In-Hand Salary: ₹66,667 (Gross) - ₹4,000 (PF) - ₹200 (PT) - ₹2,500 (Tax) = ₹59,967.

Your actual figures will vary based on the exact percentages and amounts you enter. This example is for illustrative purposes.

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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