Salary Breakup Calculator
Break your CTC into in-hand salary, PF, gratuity and tax.
₹12 lakh CTC is not ₹1 lakh/month in hand. After employer PF (~₹6,000/mo), gratuity, your PF contribution and tax, in-hand lands near ₹85,000/month under the new regime. CTC is the company’s cost — in-hand is your reality. Always negotiate on in-hand.
How to use the salary breakup calculator
- Enter your annual CTC.
- Set basic % and tax regime.
- See the full monthly breakup.
Salary Breakup Calculator — FAQs
Why is in-hand so much lower than CTC/12?
CTC includes employer PF, gratuity provision, insurance premiums and bonuses you don’t see monthly. Then your own PF, professional tax and income tax come off.
What is a good basic salary percentage?
40–50% of CTC is typical. Higher basic means higher PF/gratuity (good for long-term) but slightly lower monthly take-home.
Which regime for salaried employees?
New regime usually wins up to ~₹12.75 lakh of taxable salary with zero tax. Old regime wins only with large 80C + HRA + 80D deductions.
What is professional tax?
A state-level tax on salary, max ₹2,500/year (₹200/month in Maharashtra). Small, but it’s why your salary slip never divides evenly.
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