Convert annual Cost to Company (CTC) into realistic monthly in-hand take-home salary.
Result
Estimates apply the Indian New Tax Regime (FY 2025-26) with ₹75,000 standard deduction and Section 87A rebate. Exact payroll withholdings depend on company allowance policies.
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In-Hand = Gross Monthly - Employee EPF - Professional Tax - Monthly TDS
Annual CTC of ₹12,00,000 with 40% basic and ₹1,00,000 bonus.
Estimated monthly in-hand: ~₹81,250 | Monthly gross: ₹90,833 | Monthly EPF: ₹4,400.
Estimate net take-home salary after PF contributions, professional tax, and TDS deductions.
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Open calculatorCTC represents the total cost incurred by the employer. It includes benefits you do not receive in monthly cash—such as employer EPF contribution (12%), gratuity provisions (4.81% of basic), annual performance bonuses, and group insurance premiums.
This calculator computes estimated monthly TDS based on the default New Tax Regime (FY 2025-26 slabs from Union Budget 2025) including the ₹75,000 standard deduction and Section 87A rebate.
No. Gratuity is budgeted as part of annual CTC by employers as a statutory liability, but it is not deducted from your monthly gross pay.
Cost to Company (CTC) is a comprehensive package bundling direct monetary compensation, indirect benefits, and statutory contributions. In India, a typical CTC comprises: Basic Salary (40-50%), HRA, Special Allowance, Employer EPF (12% of basic), Gratuity provisioning, and Variable Pay.
Because variable bonuses are disbursed annually based on company performance, monthly take-home relies primarily on the fixed component of CTC minus statutory withholdings.