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Salary Breakdown Calculator

Calculate detailed salary breakdown from CTC with all components

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Salary Breakdown

Enter CTC details to see your salary breakdown

Salary Breakdown Calculator (CTC to In-Hand)

Break down your Cost to Company (CTC) into gross salary, deductions (PF, PT, tax), and take-home salary. Understand all components of your salary structure.

Key Points

  • •CTC = Gross Salary + Employer Contributions (PF, gratuity, etc.)
  • •Gross Salary = Basic + HRA + Special Allowance + Other allowances
  • •Basic typically 40-50% of CTC, HRA is 40-50% of basic (varies by company)
  • •Employee PF: 12% of Basic + DA (mandatory for salary <₹15,000)
  • •Employer PF: 12% (3.67% to EPF + 8.33% to EPS)
  • •Professional Tax: State-specific (₹200/month in most states, max ₹2,500/year)
  • •In-hand = Gross - (EPF + PT + TDS + other deductions)

Tax Implications:

  • •Standard deduction: ₹75000 available in new regime and ₹50000 in old regime
  • •TDS deducted based on regime chosen and investment declarations
  • •PF contribution (employee + employer) part of CTC but not in-hand
  • •Bonus, incentives taxed as per slab; may attract higher TDS
  • •Submit Form 12BB for claiming exemptions like HRA, LTA
Disclaimer: The calculations and information provided are estimates based on the inputs provided and current rates as of November 2025. Actual results may vary. Interest rates, tax laws, and regulations are subject to change. Please consult with a qualified financial advisor or tax professional for personalized advice.