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CTC Breakup Calculator

New Tax Regime · FY 2025-26

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Enter your Annual CTC above

Instantly see your in-hand salary, tax, and full breakup

Understanding your CTC vs in-hand salary in India

When you receive an offer, the number recruiters quote is usually your CTC (Cost to Company) — the total annual cost of employing you. It is not what lands in your bank account. Your in-hand (take-home) salary is what remains each month after statutory deductions. This free CTC calculator shows you that real number instantly, so you can compare offers on what you'll actually be paid.

What goes into your CTC

  • Basic salary — usually 40–50% of CTC; drives PF, HRA and gratuity.
  • HRA (House Rent Allowance) — partly tax-exempt under the Old Regime if you pay rent.
  • Special / other allowances — fully taxable balancing component.
  • Employer PF — 12% of Basic, part of CTC but not paid to you in cash.
  • Gratuity — a retirement benefit included in CTC, paid only after 5 years.

Deductions that reduce your take-home

  • Employee PF — another 12% of Basic, deducted from your salary.
  • Income tax (TDS) — as per your slab; this tool uses the New Regime for FY 2025-26.
  • Professional tax — a small state-level deduction (₹200/month in most states).

Enter your CTC above and the calculator breaks all of this down into a clear monthly in-hand figure — no spreadsheet needed.

Frequently asked questions

What is the difference between CTC and in-hand salary?+
CTC (Cost to Company) is the total amount a company spends on you in a year — it includes your take-home pay plus employer contributions (like PF and gratuity), allowances and benefits. In-hand salary is what actually reaches your bank account each month after deductions such as PF, income tax and professional tax. In-hand is almost always lower than CTC / 12.
How is in-hand salary calculated from CTC?+
Start from your annual CTC, remove employer PF and gratuity, split the rest into Basic, HRA and allowances, then subtract employee PF (12% of Basic), income tax and professional tax. What remains, divided by 12, is your approximate monthly in-hand salary. Our calculator does all of this automatically.
What is a good CTC to in-hand ratio in India?+
For most salaried roles, monthly in-hand works out to roughly 70–85% of CTC/12, depending on your salary structure and tax regime. Higher salaries lose a larger share to income tax, so the ratio drops as CTC rises.
Should I choose the new or old tax regime?+
The New Regime (default from FY 2023-24) has lower tax rates but removes most deductions like 80C and HRA exemption. The Old Regime is often better if you have significant deductions (home loan, 80C investments, HRA). Compare both for your numbers — this tool uses the New Regime for FY 2025-26.
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