CTC Details
30%60%
40% (Non-metro)60%
Monthly In-Hand Salary
₹94,276
Monthly Gross
₹96,276
Monthly Deductions
₹2,000
Earnings (monthly)
| Basic Salary | ₹40,000 |
| HRA (50% of Basic) | ₹20,000 |
| Special Allowance | ₹36,276 |
| Gross Salary | ₹96,276 |
Deductions (monthly)
| Employee PF (12% of Basic) | ₹1,800 |
| Professional Tax (Karnataka) | ₹200 |
| TDS (Estimated, New Regime) | ₹0 |
Employer Cost (CTC Components)
| Employer PF (12% of Basic) | ₹1,800 |
| Gratuity (4.81% of Basic) | ₹1,924 |
| Total CTC | ₹1,00,000 |
* TDS is estimated. Actual deductions depend on employer, investments declared, and other factors.
What is a CTC Calculator?
A CTC (Cost to Company) Calculator breaks down your total compensation package into monthly in-hand salary after all deductions. It shows exactly how much of your CTC actually reaches your bank account versus going to PF, gratuity, TDS, and other components.
How to Use It
- 1Enter your annual CTC amount
- 2Specify your city type (metro/non-metro) for correct HRA calculation
- 3Add any existing exemptions or special allowances if known
- 4View the full salary breakup: basic, HRA, allowances, PF deductions, and net take-home
Example
CTC of ₹12 LPA: Basic ₹4.8L + HRA ₹2.4L + allowances ₹2.4L + employer PF ₹57.6K + gratuity ₹23K. After deducting employee PF ₹57.6K and TDS ≈ ₹28K, monthly in-hand ≈ ₹73,700.
Why Use It
- Understand your actual take-home before accepting a job offer
- Compare offers from different companies using a consistent breakdown
- Negotiate salary components (higher HRA = lower taxable income)
- Plan your monthly budget based on accurate in-hand salary