Why is take-home lower than CTC?

CTC includes employer-side costs (PF, gratuity provisioning) you don't receive monthly, plus deductions like income tax and your own PF.

Which regime is used?

We use the new tax regime AY 2026-27 with standard deduction.

Tax

Salary Calculator

Convert CTC into exact in-hand monthly take-home salary

Annual CTC

₹

Monthly Take-Home

₹94,268

Yearly: ₹11,31,212 · CTC 12.00 L

Income Tax

₹0

Employee PF

₹21,600

Yearly CTC Breakdown

Basic

₹4,80,000

HRA

₹2,40,000

Special Allowance

₹4,35,312

Gratuity (provisional)

₹23,088

Formula

Take-home = Gross − Employee PF − Professional Tax − Income Tax Gross = Basic + HRA + Special. CTC includes Employer PF and gratuity provisioning.

Example: CTC ₹12L → Take-home ~₹85,500/month after PF and new-regime tax.

How to use

Enter your annual CTC as offered.
View estimated take-home, PF and tax deductions.

Benefits

Plan EMIs and savings against your real in-hand salary.
Negotiate offers based on net pay, not just CTC.

Frequently Asked Questions

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This is an indicative breakdown using common assumptions. Actual pay depends on your CTC structure, HRA exemption, and metro/non-metro location.

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Yearly CTC Breakdown

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