Salary / CTC Calculator
Break down your CTC into basic, HRA, PF, gratuity, and net monthly take-home for FY 2026-27.
CTC & components
Typically 40–50%. Higher basic = higher PF & gratuity.
50% metro / 40% non-metro.
Only relevant in old regime for HRA exemption.
₹12,23,233 annually from ₹15,00,000 CTC
Deductions
Frequently asked questions
What is CTC and how is it different from take-home?
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CTC (Cost to Company) is the total annual expenditure a company incurs on an employee — basic, HRA, employer PF, gratuity, bonuses, benefits. Take-home is what you actually receive in your bank account after employee PF, professional tax, and income tax deductions.
How much is typically Basic Salary?
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Basic is usually 40–50% of CTC in India. A higher basic means higher PF (12% of basic) and gratuity (4.81% of basic), but also higher HRA eligibility and tax exemptions in the old regime.
Should I choose the old or new tax regime?
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New regime (default) offers ₹75,000 standard deduction and zero tax up to ₹12.75L salary — best if you have few deductions. Old regime helps if you claim 80C (₹1.5L), HRA, home loan interest, 80D and other deductions exceeding ~₹4L total.
Is employer PF part of take-home?
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No. Employer PF (12% of basic) is a CTC component but goes directly to your EPF account. You only receive it at retirement or when you withdraw. Employee PF is deducted from your gross salary.
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