CTC Calculator

Estimate take-home salary & compare tax regimes in seconds.

Salary Input

Enter your CTC
Amount in Indian Rupees
4% Health & Education Cess applied
Advanced Settings
Basic Salary (% of CTC)
HRA (% of Basic)
Employer PF (% of Basic)
Gratuity (% of Basic)
Annual Bonus (% of Basic)
Special Allowance (auto-remainder)
Rent you pay (₹/month) — for Old Regime HRA exemption
City Type
Tax Slabs & Standard Deduction (editable defaults)
New Regime Standard Deduction (₹)
Old Regime Standard Deduction (₹)
Defaults use widely referenced slabs: New — 0–3L at 0%, 3–6L at 5%, 6–9L at 10%, 9–12L at 15%, 12–15L at 20%, >15L at 30%. Old — 0–2.5L at 0%, 2.5–5L at 5%, 5–10L at 20%, >10L at 30%. Update if your FY differs.

Everything here is an estimate for education/planning. Actual in-hand pay depends on your employer’s structure and the tax rules for your financial year.

Estimated Take-Home / Month

₹0

Estimated Tax / Year

₹0

Employer Cost (CTC)

₹0

Breakdown

CTC components and annual amounts
ComponentMonthly (₹)Yearly (₹)
Total (CTC)₹0₹0
Heads-up: We model Basic, HRA, Special Allowance, Employer PF, Gratuity and an optional Bonus. For Old Regime, HRA exemption uses: min( HRA received, 50%/40% of Basic, Rent-10% of Basic ). You can change percentages in Advanced Settings.

What is CTC and how do we estimate your in-hand pay?

Cost to Company (CTC) is the total annual cost your employer spends on you — salary components, benefits and statutory contributions. Your take-home (in-hand) is lower because taxes and contributions like PF are deducted from your gross payable.

  • Basic Salary: fixed portion; we default to 50% of CTC.
  • HRA: typically 40% of Basic (50% in metro cities).
  • Employer PF: 12% of Basic (not paid in cash but part of CTC).
  • Gratuity: ~4.81% of Basic (provisioned in CTC).
  • Bonus/Special Allowance: remainder of CTC after the above heads.

Our calculator shows a transparent split and computes income tax under your selected regime using editable slabs and a 4% cess. For the Old Regime, you can enter monthly rent and city type to approximate HRA exemption.

How to use this CTC Calculator

  1. Enter your CTC and choose Yearly or Monthly.
  2. Select a tax regime to compare old vs new quickly.
  3. Open Advanced Settings to tweak Basic/HRA/PF/Gratuity/Bonus or add rent for HRA exemption.
  4. Click Calculate. Export your results as CSV or print to PDF.

CTC Calculator — Frequently Asked Questions

Is CTC the same as take-home?

No. CTC includes employer contributions (like PF, gratuity) that you don’t receive as cash. Take-home is what hits your bank after tax and deductions.

Which is better for me — Old or New tax regime?

It depends on your deductions and exemptions (HRA, 80C investments, etc.). If you claim many deductions, the Old Regime may help. Otherwise, the New Regime is simpler and often lower tax. Use the toggle to compare.

How accurate is the tax shown here?

This is an educational estimate using editable defaults. Tax rules change by financial year; please confirm slabs and limits for your FY and consult a professional for filing.

Can I change the component percentages?

Yes. Open Advanced Settings to adjust Basic/HRA/PF/Gratuity/Bonus percentages to match your offer letter.

Will this calculator store my data?

No. Everything runs locally in your browser.