Calculate take-home salary from CTC
₹90,200
Estimated monthly take-home (before income tax)
₹95,200
Monthly gross
- Basic₹4,80,000 / yr
- HRA₹2,40,000 / yr
- Special allowance₹4,22,400 / yr
- Employer PF contribution₹57,600 / yr
- Employee PF deduction-₹57,600 / yr
- Professional tax-₹2,400 / yr
Estimate only, using common assumptions (40% basic, 50% HRA, 12% PF) — actual CTC structuring varies by company, and this doesn't subtract income tax (TDS). Use the tax calculator alongside this for a fuller picture.
CTC (Cost to Company) isn't what lands in your bank account — PF contributions, professional tax, and how your company structures Basic/HRA/allowances all affect take-home pay. Enter your annual CTC to see an estimated breakdown and monthly take-home, using common structuring assumptions (40% basic, 50% HRA, 12% PF). Actual company policies vary, and this doesn't subtract income tax — pair it with the tax calculator for a fuller picture.
Why CTC is not your salary
Cost to Company is what your employer spends, which includes items that never reach your account: their PF contribution, gratuity provisioning, and sometimes insurance premiums or notional benefits. Take-home is what lands in your bank after those employer-side items are excluded and your own deductions are taken out. The gap between the two is routinely 20 to 30 percent, which is why an impressive CTC figure can be disappointing monthly.
The assumptions used here
This estimate uses common industry conventions: basic salary at 40 percent of CTC, HRA at 50 percent of basic, and provident fund at 12 percent of basic from both sides. Real structures vary considerably — some companies set basic at 50 percent, others cap PF at the statutory wage ceiling rather than actual basic. If your offer letter breaks down the components, use those figures rather than these assumptions.
Income tax is not included
The figure shown is before TDS, which is the largest remaining deduction for most salaried people. Your actual monthly credit will be lower by whatever tax applies to your income after exemptions and deductions. Use the income tax calculator alongside this to estimate that, and remember HRA exemption can reduce taxable income significantly if you pay rent — which is exactly the kind of detail a generic CTC estimate cannot capture.
Frequently asked questions
- Why doesn't this match my actual payslip?
- Every company structures CTC differently — basic percentage, HRA policy, bonus components, and PF rules all vary. This tool uses common industry assumptions for an estimate, not your specific company's structure.
- Does this subtract income tax (TDS)?
- No, this shows take-home before income tax — it only accounts for PF and professional tax deductions. Use the tax calculator alongside this to estimate your final in-hand amount.
- What professional tax rate is used?
- A flat ₹200/month approximation. Professional tax varies by state and some states don't levy it at all — check your state's actual rate.
- Is my data sent anywhere?
- No, calculation happens locally in your browser. Nothing is transmitted.
- Why does this not match my payslip?
- Every company structures CTC differently — basic percentage, PF policy, and allowance mix all vary. Use your offer letter's actual breakdown where you have it.
- Is income tax deducted from this figure?
- No. This shows take-home before TDS. Pair it with the income tax calculator for a fuller picture.