In-Hand Salary / CTC Breakup Calculator
Break down your CTC into in-hand salary, deductions, and employer contributions.
Assumes 12% employee and employer PF contribution on basic salary, and estimates income tax using the New Regime (Budget 2025 slabs). Actual take-home may vary based on your specific salary structure and elected deductions.
Monthly take-home
₹90,200
Annual take-home
₹10,82,400
Gross salary
₹11,42,400
On a CTC of ₹12,00,000, your estimated monthly take-home is ₹90,200 — about 90% of your CTC after PF, professional tax, and income tax.
How this calculator works
CTC (Cost to Company) is the total amount your employer spends on you annually, including salary and all benefits. This calculator breaks it down step by step — subtracting employer PF to get gross salary, then employee PF, professional tax, and estimated income tax to arrive at your actual take-home pay.
Worked example: on a CTC of ₹12,00,000 (with 40% basic salary), your gross salary after employer PF is about ₹11,42,400, and your estimated monthly take-home comes to roughly ₹90,200 — about 90% of your CTC, after all standard deductions.