Salary Take-Home & CTC Calculator
Break down your annual Cost to Company (CTC) into monthly gross salary, take-home pay, EPF, professional tax, and income tax deductions.
Adjust Inputs
Real-Time UpdateNet salary credited to your bank account
From annual CTC of ₹12,00,000
PF: ₹4,800 | Tax: ₹5,209 | PT: ₹200
Visual Breakdown
Interactive GraphicDetailed Breakdown & Amortization Schedule
Showing 9 of 9 periods
| Salary Component | Monthly Amount | Annual Amount | Category |
|---|---|---|---|
| Basic Salary | ₹40,000 | ₹4,80,000 | Earnings |
| House Rent Allowance (HRA) | ₹20,000 | ₹2,40,000 | Earnings |
| Special / Other Allowances | ₹35,200 | ₹4,22,400 | Earnings |
| Gross Salary (A) | ₹95,200 | ₹11,42,400 | Gross Total |
| Employee Provident Fund (EPF) | ₹4,800 | ₹57,600 | Deduction |
| Professional Tax (PT) | ₹200 | ₹2,400 | Deduction |
| Income Tax (TDS New Regime) | ₹5,209 | ₹62,510 | Deduction |
| Total Deductions (B) | ₹10,209 | ₹1,22,510 | Total Deductions |
| Net Take-Home Pay (A - B) | ₹84,991 | ₹10,19,890 | Net Take-Home |
- Employer EPF contribution (12% of Basic) is included in the annual CTC as per standard Indian corporate compensation structures.
- Income tax deduction is estimated under the default New Tax Regime including the ₹75,000 standard deduction.
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Understanding the Salary Take-Home & CTC Calculator
This calculator provides real-time, mathematically verified computations for Indian tax payers, investors, and businesses. All algorithms are calibrated to Indian statutory standards including the Income Tax Act 1961, CGST Act 2017, and standard banking annuity models.
How It Works
- Enter your baseline financial values using the input fields or interactive sliders.
- Observe instant changes in the summary metrics and visual breakdown charts without page reloads.
- Review the year-by-year or month-by-month amortization schedule for long-term clarity.
- Export your results via CSV or print a clean summary for your tax consultant or accountant.
Standard Indian Payroll & EPF/PT statutory formulas
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