Salary Breakup Calculator
Convert your Annual CTC into a detailed monthly breakup. Understand your Basic, HRA, PF deductions, and exact Take-Home pay.
Inputs
Monthly Breakup
Understanding CTC Components
CTC (Cost to Company) is the total amount an employer spends on an employee. However, the amount you receive in your bank account (Take-Home) is lower due to various deductions and non-cash components.
Basic Salary
This is the fixed part of your salary and forms the basis for other components like PF, Gratuity, and HRA. It is typically 40-50% of the total CTC and is fully taxable.
House Rent Allowance (HRA)
Provided to meet the cost of a rented house. You can claim tax exemption on HRA if you live in a rented accommodation and have rent receipts.
Employee Provident Fund (EPF)
A mandatory deduction where 12% of your Basic is contributed to your PF account. The employer also contributes an equal amount (split between EPF and EPS).
Special Allowance
Often used as a balancing figure to meet the promised CTC after accounting for all other components. It is fully taxable.
Take-Home vs CTC
Take-Home Salary = Gross Salary - (Employee PF + Professional Tax + Income Tax). Our calculator helps you estimate this by automating the complex deduction logic used by Indian HR departments.