Salary Calculator

Quick CTC breakdown: see your basic, HRA, allowances, PF, and take-home at a glance. For Old vs New regime comparison, use the Take Home Salary Calculator.

Your CTC details

Annual CTC: ₹30,00,000

Basic salary: 40% of CTC (₹12,00,000 p.a.)

HRA: 50% of Basic (₹6,00,000 p.a.)

Annual income tax (TDS): ₹0

Use the Income Tax Calculator to find this number

Salary breakdown

5%is deductions

Take-homeDeductions

Monthly take-home

₹2.26 Lakhs

₹2,25,800

Net credited to bank

Annual take-home

₹27.1 Lakhs

₹27,09,600

After all deductions

CTC components

Basic Salary₹1,00,000/mo

HRA₹50,000/mo

Employer PF₹12,000/mo

Deductions

Employee PF (12%)-₹12,000/mo

Professional Tax-₹200/mo

Gross salary

₹28.56 Lakhs

₹28,56,000

CTC minus employer PF

Total deductions

₹1.46 Lakh

₹1,46,400

PF + PT + income tax

Frequently asked questions

CTC (Cost to Company) is the total amount the employer spends on you, including employer PF and other contributions. Gross salary is what appears on your payslip before deductions. Take-home pay (or net salary) is what is credited to your bank account after deducting employee PF, professional tax, and income tax.

Employer PF (12% of basic) is part of your CTC but goes directly to your PF account, not to your bank. So gross salary = CTC minus employer PF. This is why your gross salary is typically less than your CTC.

Professional tax is a state-level tax levied on salaried individuals. It varies by state: most states charge between ₹150 to ₹200 per month (₹2,400 per year). A few states like Rajasthan and Uttar Pradesh do not levy it at all.

HRA is typically set at 50% of basic salary for metro cities and 40% for non-metro cities. Basic salary is usually 40-50% of CTC depending on your employer. If your basic is ₹40,000/month, your HRA would be ₹20,000/month (metro) or ₹16,000/month (non-metro).

Yes. Declare investments (80C, NPS, home loan interest, HRA rent receipts) to your employer at the start of the financial year. Your employer will reduce the monthly TDS accordingly. You can also revise your declaration mid-year if your plans change.

Popular scenarios

₹6L CTC

₹45k/month

₹12L CTC

₹90.2k/month

₹18L CTC

₹1.35L/month

₹24L CTC

₹1.81L/month

₹36L CTC

₹2.71L/month

₹60L CTC

₹4.52L/month

Related calculators

Assumes employee PF at 12% of basic, professional tax at ₹2,400 per year, and no special allowances beyond HRA. Gross salary = CTC minus employer PF contribution. For a detailed Old vs New regime comparison, use the Take Home Salary Calculator.

Salary Calculator

Quick CTC breakdown: see your basic, HRA, allowances, PF, and take-home at a glance. For Old vs New regime comparison, use the Take Home Salary Calculator.

Your CTC details

Annual CTC: ₹30,00,000

Basic salary: 40% of CTC (₹12,00,000 p.a.)

HRA: 50% of Basic (₹6,00,000 p.a.)

Annual income tax (TDS): ₹0

Use the Income Tax Calculator to find this number

Salary breakdown

5%is deductions

Take-homeDeductions

Monthly take-home

₹2.26 Lakhs

₹2,25,800

Net credited to bank

Annual take-home

₹27.1 Lakhs

₹27,09,600

After all deductions

CTC components

Basic Salary₹1,00,000/mo

HRA₹50,000/mo

Employer PF₹12,000/mo

Deductions

Employee PF (12%)-₹12,000/mo

Professional Tax-₹200/mo

Gross salary

₹28.56 Lakhs

₹28,56,000

CTC minus employer PF

Total deductions

₹1.46 Lakh

₹1,46,400

PF + PT + income tax

Frequently asked questions

Popular scenarios

₹6L CTC

₹45k/month

₹12L CTC

₹90.2k/month

₹18L CTC

₹1.35L/month

₹24L CTC

₹1.81L/month

₹36L CTC

₹2.71L/month

₹60L CTC

₹4.52L/month

Related calculators

Salary Calculator

Frequently asked questions

What is the difference between CTC, gross salary, and take-home pay?

Why does my employer PF reduce my gross salary?

What is professional tax and who pays it?

How is HRA calculated from CTC?

Can I reduce my income tax deduction (TDS) from salary?

Salary Calculator

Frequently asked questions

What is the difference between CTC, gross salary, and take-home pay?

Why does my employer PF reduce my gross salary?

What is professional tax and who pays it?

How is HRA calculated from CTC?

Can I reduce my income tax deduction (TDS) from salary?