Salary Breakup Calculator
Convert your CTC (Cost to Company) to take-home salary instantly. Enter your annual CTC to get a complete salary breakup — basic, HRA, special allowance, employer PF, gratuity — along with all deductions and your monthly in-hand salary under both old and new income tax regimes. Uses FY 2024-25 tax slabs. Free, private, and no signup required.
Enter your CTC (Cost to Company) to instantly compute your full salary breakup — basic, HRA, special allowance, PF, ESI, professional tax, and income tax under both old and new tax regimes. All calculations run locally in your browser — your data never leaves your device.
Total Cost to Company per year
Typically 40–50% of CTC
50% for metro, 40% for non-metro
- PF: 12% of Basic, capped at ₹1,800/month (₹21,600/year)
- ESI: 0.75% of gross salary if gross ≤ ₹21,000/month
- Gratuity: 4.81% of Basic (15/26 × 1/12)
- New Regime standard deduction: ₹75,000 | Old Regime: ₹50,000
- Income tax includes 4% Health & Education Cess
- Old Regime: PF employee contribution is deductible under Section 80C
Why Use Our Salary Breakup Calculator?
Accurate CTC to Take-Home Calculation
Our salary breakup calculator computes your complete salary structure from CTC — basic, HRA, special allowance, employer PF, gratuity, and all deductions — using the latest FY 2024-25 tax slabs and statutory rates for PF, ESI, and professional tax.
Old vs. New Tax Regime Comparison
Instantly compare your take-home salary under both the old and new income tax regimes side by side. The calculator highlights which regime is more beneficial for your specific CTC and deduction profile.
Completely Private & Secure
All salary calculations happen locally in your browser. Your CTC, income, and financial details are never sent to any server, ensuring 100% privacy when you use our salary breakup calculator online.
No Installation Required — 100% Free
Use our free CTC calculator directly in your browser — no downloads, no plugins, no account needed. Calculate salary breakup from any device, anytime, with no ads and no usage limits.
Common Use Cases for Salary Breakup Calculator
Evaluating a Job Offer
When you receive a job offer with a CTC figure, use the salary breakup calculator to understand your actual monthly take-home salary after all deductions. CTC and in-hand salary can differ significantly — knowing the difference helps you make an informed decision.
Comparing Multiple Offers
Different companies structure CTC differently — some include higher employer PF contributions, gratuity, or variable pay. Use the salary breakup calculator to normalize multiple offers to their actual take-home amounts for a fair comparison.
Choosing Between Old and New Tax Regime
The salary breakup calculator computes your take-home under both tax regimes simultaneously. If you have significant deductions under Section 80C, 80D, or HRA exemption, the old regime may be more beneficial — the calculator shows you exactly which one saves more tax.
Salary Negotiation Preparation
Before negotiating a salary hike, use the CTC calculator to understand how much of an increment actually reaches your bank account after tax and deductions. This helps you negotiate for the right CTC to achieve your target in-hand salary.
HR and Payroll Planning
HR professionals and startup founders use the salary breakup calculator to structure compensation packages, estimate total employer costs (including PF and gratuity), and ensure compliance with statutory deduction requirements.
Financial Planning and Budgeting
Knowing your exact monthly take-home salary is the foundation of personal financial planning. Use the salary breakup calculator to get an accurate in-hand figure before creating your monthly budget, EMI plans, and savings goals.
Understanding CTC and Salary Breakup
What is CTC?
CTC (Cost to Company)is the total annual cost an employer incurs for an employee — including the employee's salary, employer's PF contribution, gratuity, and any other benefits. CTC is not the same as your take-home salary. Your actual in-hand salary is significantly lower because it excludes employer contributions (which are costs to the company, not income to you) and is further reduced by employee deductions like PF, ESI, professional tax, and income tax. Our salary breakup calculator converts CTC to take-home salary accurately using FY 2024-25 statutory rates.
How Our Salary Breakup Calculator Works
- 1. Enter CTC: Input your annual CTC and select the basic salary percentage (typically 40–50% of CTC) and HRA percentage (50% for metro, 40% for non-metro cities).
- 2. Configure Deductions: Toggle PF, ESI, and professional tax based on your employer's policy. The calculator applies the correct statutory rates automatically.
- 3. Review Results: See your complete CTC breakup, monthly salary slip, and take-home salary under both old and new income tax regimes — all calculated locally in your browser.
Key Salary Components Explained
- Basic Salary: The fixed core component — typically 40–50% of CTC. PF, gratuity, and HRA are calculated as a percentage of basic.
- HRA (House Rent Allowance): 50% of basic for metro cities (Mumbai, Delhi, Kolkata, Chennai), 40% for non-metro. Partially exempt from tax under the old regime.
- Special Allowance: The balancing component — whatever remains after basic, HRA, PF, and gratuity are subtracted from CTC. Fully taxable.
- Employer PF: 12% of basic (capped at ₹1,800/month). This is an employer cost included in CTC but not part of your gross salary.
Old vs. New Tax Regime (FY 2024-25)
- New Regime: Lower tax rates, standard deduction of ₹75,000, but no deductions for HRA, 80C, 80D, or home loan interest. Default regime from FY 2023-24.
- Old Regime: Higher tax rates but allows deductions for HRA exemption, 80C (₹1.5L), 80D (health insurance), home loan interest, and more. Standard deduction of ₹50,000.
- When Old Regime is Better: If your total deductions (80C + HRA exemption + 80D + home loan) exceed approximately ₹3.75L, the old regime typically saves more tax.
- When New Regime is Better: For most salaried employees without significant deductions, the new regime results in lower tax and higher take-home.
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Frequently Asked Questions About Salary Breakup Calculator
A salary breakup calculator is a tool that converts your CTC (Cost to Company) into a detailed salary structure — showing basic salary, HRA, special allowance, employer PF, gratuity, and all deductions including income tax. Our free online salary breakup calculator uses FY 2024-25 tax slabs and statutory rates and runs entirely in your browser — no signup required.
CTC is the total annual cost to the employer, including employer PF (12% of basic), gratuity (4.81% of basic), and all allowances. Take-home salary is what you actually receive after deducting employee PF, ESI, professional tax, and income tax from your gross salary. For a ₹12 LPA CTC, the monthly take-home is typically ₹75,000–₹85,000 depending on deductions and tax regime.
Absolutely. All salary calculations happen entirely in your browser using JavaScript. Your CTC, income, and financial details are never transmitted to any server. No data is stored, logged, or shared — your information stays completely private on your device.
Yes — our salary breakup calculator is 100% free with no signup, no account, and no usage limits. Calculate salary breakup for any CTC as many times as you need, completely free forever.
The new tax regime is generally better if your total deductions (80C + HRA exemption + 80D + home loan interest) are less than approximately ₹3.75 lakh. If you have significant investments, home loan, or HRA exemption that push your deductions above this threshold, the old regime may save more tax. Use our salary breakup calculator to compare both regimes for your specific CTC.
Employee PF is 12% of basic salary, capped at ₹1,800 per month (₹21,600 per year). Employer PF is also 12% of basic, capped at the same amount — this is included in CTC but is not part of your gross salary. The PF cap applies when basic salary exceeds ₹15,000 per month.
ESI (Employees' State Insurance) is a social security scheme. Employee contribution is 0.75% of gross salary. ESI applies only when your gross salary is ₹21,000 per month or less. If your gross exceeds ₹21,000/month, ESI does not apply. Most employees with CTC above ₹3–4 LPA are not covered by ESI.
Professional tax is a state-level tax levied on salaried employees. The maximum is ₹2,500 per year (₹200/month in most states). It is deducted by the employer from your salary and remitted to the state government. Not all states levy professional tax — Maharashtra, Karnataka, West Bengal, and Andhra Pradesh are among those that do.
Gratuity is calculated as 4.81% of basic salary (derived from the formula: 15/26 × 1/12 × basic). It is an employer cost included in CTC but is only paid out after 5 years of continuous service. Gratuity is not part of your monthly salary — it is a long-term benefit.