What it does: CTC Calculator India — calculates your monthly in-hand salary from annual CTC with full PF, HRA, PT, and TDS breakdown. — Enter Annual CTC amount, get Monthly in-hand salary with complete salary component breakdown instantly.
CTC Calculator India — In-Hand Salary Breakdown
Enter your CTC and get complete salary structure — Basic, HRA, PF, Professional Tax, TDS, and exact in-hand take-home.
CTC (Cost to Company) is the total amount a company spends on an employee annually — including salary, PF contribution, gratuity, and other benefits. In-hand salary is always less than CTC.
Deductions include: Employee PF (12% of Basic), Professional Tax (₹200/month in most states), and Income Tax / TDS. Employer PF contribution is part of CTC but not paid to you directly.
New regime has lower rates but no deductions (80C, HRA, etc.). Old regime allows deductions — better if you invest in PPF, ELSS, have home loan, or claim HRA. Generally new regime is simpler for CTC below ₹7 LPA.