CTC Calculator

Calculate Cost to Company (CTC), in-hand salary, and detailed salary breakdown for comprehensive salary planning

Salary Breakdown

₹0 Monthly In-Hand Salary
₹0 Monthly Gross
₹0 Total Deductions
Basic Salary: ₹0
HRA: ₹0
Special Allowance: ₹0
PF Deduction: ₹0
Income Tax: ₹0

Required CTC

₹0 Annual CTC Required
₹0 Monthly CTC
₹0 Tax Liability
Gross Monthly: ₹0
Tax Regime: New Tax Regime
Effective Tax Rate: 0%

Job Offer A

Job Offer B

Offer Comparison

₹0 Better Offer Value Difference
₹0 Offer A Total Value
₹0 Offer B Total Value
Better Offer: --
Monthly Difference: ₹0
Percentage Difference: 0%

How to Use the CTC Calculator

Our comprehensive CTC calculator provides essential tools for salary planning and analysis in India:

💰 CTC to In-Hand Calculator

Calculate your actual take-home salary from your CTC. Get detailed breakdown of basic salary, HRA, special allowances, PF deduction, professional tax, and income tax to understand your net monthly earnings.

🎯 In-Hand to CTC Calculator

Determine the required CTC to achieve your desired in-hand salary. Consider tax regimes (old vs new), city type for HRA exemption, and other factors affecting your gross salary requirements.

⚖️ Salary Offer Comparison

Compare multiple job offers considering CTC, variable pay, joining bonus, and other benefits. Make informed career decisions by analyzing the total value of different compensation packages.

Important Note: Calculations are based on current Indian tax laws and standard salary structures. Actual deductions may vary based on company policies and individual circumstances.

Frequently Asked Questions

What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total amount an employer spends on an employee, including salary, benefits, and contributions. In-hand salary is the actual amount you receive after all deductions like tax, PF, and professional tax.
How is basic salary calculated from CTC?
Basic salary is typically 40-50% of CTC in most companies. It forms the foundation for calculating other components like HRA (40-50% of basic), PF contribution (12% of basic), and gratuity calculations.
Which tax regime should I choose - old or new?
New tax regime offers lower tax rates but no deductions. Old regime has higher rates but allows deductions under 80C, 80D, etc. Choose based on your investment pattern and deduction eligibility.
How is HRA exemption calculated?
HRA exemption is the minimum of: HRA received, 50% of salary (metro) or 40% (non-metro), or actual rent paid minus 10% of salary. This exemption reduces your taxable income.
What deductions are typically made from salary?
Common deductions include: Employee PF (12% of basic), Professional Tax (up to ₹2,500/year), TDS on salary, ESI (if applicable), and other voluntary deductions like insurance premiums or loan EMIs.