CTC Calculator - Cost to Company Breakdown India

Your CTC Package

Annual CTC (₹)

Salary Structure

Basic Salary (%)

HRA (%)

Special Allowance (%)

Other Allowances (%)

Deductions

PF Contribution (%)

Professional Tax (₹/month)

Income Tax / TDS (₹/month)

Other Deductions (₹/month)

💼

Enter your CTC and click
Calculate to see your
take-home salary

Annual Earnings Breakup

Basic Salary ₹0

HRA ₹0

Special Allowance ₹0

Other Allowances ₹0

Gross Salary ₹0

Annual Deductions

Employee PF ₹0

Professional Tax ₹0

Income Tax / TDS ₹0

Other Deductions ₹0

Total Deductions ₹0

Take Home 0% Deductions 0%

Net Annual Take Home ₹0

What is CTC and In-Hand Salary?

CTC (Cost to Company) is the total amount a company spends on an employee per year including salary, PF contributions, gratuity, insurance, and other benefits. In-hand salary or take-home salary is the actual amount credited to your bank account after all deductions.

Typical Salary Structure in India

A typical Indian salary breakup: Basic Salary (40-50% of CTC), HRA (40-50% of Basic), Conveyance Allowance, Medical Allowance, Special Allowance, and Employer PF. Deductions include Employee PF (12% of Basic), Professional Tax, and TDS.

Frequently Asked Questions

How much in-hand salary for 12 LPA CTC?

For a 12 LPA CTC, in-hand salary is typically between 75,000 to 85,000 per month depending on your tax slab, PF deduction, and other components. Use our calculator above with your actual salary structure for an accurate figure.

What is the difference between Gross Salary and Net Salary?

Gross Salary is your total earnings before any deductions (Basic + HRA + Allowances). Net Salary is the amount after all deductions (PF + Tax + Professional Tax). Net Salary = Gross Salary - Total Deductions.

How to increase in-hand salary?

You can increase in-hand salary by optimising your salary structure (requesting higher HRA or allowances), claiming HRA exemption under old tax regime, investing in 80C instruments to reduce TDS, or choosing the new tax regime if it results in lower tax.

Prime Tools

CTC & In-Hand Salary Calculator

What is CTC and In-Hand Salary?

Typical Salary Structure in India

Frequently Asked Questions

Related Calculators