Calculator
CTC to in-hand salary calculator
Put in the annual CTC from the offer letter and see what lands in the bank each month, what comes out, and what the company actually pays. Every rule is stated below so you can check the working.
Figures reviewed September 2026. Statutory rates change; confirm with the notification before filing.
Take-home each month
Monthly CTC
₹50,000
Gross salary
Basic ₹20,000 · HRA ₹10,000 · Special ₹17,088
₹47,088
Employee PF
− ₹1,800
Professional tax
− ₹200
TDS (income tax)
No tax at this income under the new regime
₹0
In hand
₹45,088
What the company pays
Gross salary
₹47,088
Employer PF, EDLI and admin
₹1,950
Gratuity provision
₹962
Cost to company each month
₹50,000
Put this calculator on your site
Paste the snippet into any page. It works on WordPress, Wix, Webflow and plain HTML, updates itself when the rates change, and stays free. The one-line credit under it is the only condition.
<iframe src="https://kuzhu.in/embed/ctc-calculator" width="100%" height="720" style="border:0;border-radius:16px;max-width:100%" loading="lazy" title="Kuzhu ctc calculator"></iframe>
<p style="font-size:12px"><a href="https://kuzhu.in/resources/ctc-calculator?utm_source=embed">Free ctc calculator by Kuzhu HRMS</a></p>How the numbers are worked out
CTC is not salary
CTC includes the employer share of PF and ESI and the gratuity provision. None of those reach the bank. Gross is CTC minus those; net is gross minus your own deductions.
Basic drives the statutory numbers
PF, gratuity and HRA are all percentages of basic. A basic of 40% to 50% of CTC is usual; the labour codes will require wages to be at least half of remuneration.
HRA is 40% or 50% of basic
50% in Delhi, Mumbai, Kolkata and Chennai, 40% elsewhere. The tax exemption on it applies only under the old regime.
PF on ₹15,000 or on full basic
Most employers limit PF to the ₹15,000 wage ceiling, which is ₹1,800 a month from each side. Some contribute on full basic, which raises both deductions and cost.
ESI below ₹21,000 gross
If gross is within ₹21,000 the employee pays 0.75% and the employer 3.25%. The calculator settles the circular dependency between gross and the employer share for you.
TDS under the new regime
FY 2025-26: ₹75,000 standard deduction, slabs from 5% above ₹4 lakh, and a full rebate up to ₹12 lakh taxable income. Salary up to ₹12.75 lakh is effectively tax-free.
Questions people ask
Why is my in-hand salary so much lower than CTC divided by twelve?
Because CTC includes what the employer pays on your behalf (its PF share, ESI share and gratuity provision) and your take-home is further reduced by your own PF, professional tax and TDS. For a ₹6 lakh CTC the monthly credit is typically around ₹42,000 to ₹45,000.
Is the calculation for the old or new tax regime?
The new regime, which is the default since FY 2023-24. Under the old regime HRA exemption, 80C and other deductions reduce tax, so take-home can be higher for people with large deductions. Ask your employer for both computations.
Does the calculator include bonus or variable pay?
No. It treats the full CTC as fixed pay. If part of the CTC is a variable bonus, subtract it first and add it back when it is actually paid, when it is taxed.
Which state should I choose for professional tax?
The state where you physically work. Professional tax follows the work location, not the company headquarters. Delhi, Haryana, Uttar Pradesh, Rajasthan and several others do not levy it.
More free tools
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In Kuzhu
Kuzhu builds the salary structure once per grade and computes gross, PF, ESI, PT and TDS for every employee every month, with payslips that show this same breakup.
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