Salary Breakdown – Free Online Utility

Break down your CTC into monthly take-home salary.

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Typically 12%. Assumes employer matching is part of CTC.

Estimated Monthly Take-Home

₹82,000

Annual Net: ₹984,000

Monthly Breakdown

Basic Pay₹ 50,000
HRA₹ 20,000
Special Allowance₹ 18,000
EPF Deduction (Employee Share)-₹ 6,000

What is a Salary Breakdown Calculator?

A salary breakdown calculator helps you understand exactly how your annual Cost to Company (CTC) translates into your monthly in-hand (take-home) salary. It demystifies the various components of an offer letter, separating the actual cash you receive from the benefits and mandatory deductions.

CTC vs Net Salary

Cost to Company (CTC) is the total amount the employer spends on you over a year. It includes your base salary, allowances (like HRA), bonuses, and the employer's contribution to your Provident Fund (PF) and Gratuity. Net Salary (Take-Home) is the amount credited to your bank account every month after subtracting income tax (TDS), your share of PF, and other deductions.

Frequently Asked Questions

CTC stands for Cost to Company. It is the total salary package the company spends on you directly or indirectly. It includes basic pay, allowances, provident fund (PF), gratuity, and other perks.
Your take-home (or net) salary is what you actually receive in your bank account. It is lower than the CTC because deductions like Provident Fund (PF), Professional Tax (PT), and Income Tax (TDS) are subtracted from your gross salary.
Usually, the Employee Provident Fund (EPF) deduction is 12% of your Basic Pay. The employer also contributes an equal amount, which is often included in the overall CTC figure.

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