CTC to Take-Home Calculator
Break down your annual Cost to Company (CTC) into monthly take-home salary, components, and deductions.
How This is Calculated (Formula Transparency)
Gross Annual Salary = CTC - Employer PF - Gratuity. Taxable Income = Gross - Standard Deduction. Net Annual In-Hand = Gross - Employee PF - PT - Income Tax. Monthly In-Hand = Net Annual / 12.
Worked Example Case Study
Scenario: Annual CTC of ₹12,00,000.
Detailed Calculation: CTC = ₹12L. Basic = ₹6L. Employer PF = ₹72k. Gratuity contribution = ₹28,860. Gross Annual Salary = ₹10,99,140. Monthly Gross = ₹91,595. Net take-home calculated after PF and taxes.
Assumptions & Rules
- Employer PF is 12% of basic. Gratuity is estimated at 4.81% of basic salary.
- Basic salary is assumed to be 50% of the CTC.
- Calculations are compliant with laws and rates as of FY 2025-26 (AY 2026-27).
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