Skip to content
Free Indian Tools

Finance · Free tool

CTC → Take-Home Calculator

FY 2025-26 (AY 2026-27)

Your CTC and your in-hand salary are very different numbers. Employer EPF, gratuity provision, income tax and your own EPF all come out before money hits your bank. This calculator does the actual subtraction with the latest FY 2025-26 tax slabs (including the ₹12 lakh rebate cliff and marginal relief).

₹15,00,000
40%
0%
Monthly take-home
₹1,11,318
₹13,35,812 per year
Effective deduction
₹1,64,188 / yr
10.9% of CTC goes to taxes, EPF & gratuity

CTC components (annual)

Basic₹6,00,000
HRA₹3,00,000
Special allowance₹5,49,540
Employer EPF₹21,600
Gratuity provision₹28,860
CTC₹15,00,000

Deductions (annual)

Income tax₹89,628
Employee EPF₹21,600
Professional tax₹2,500
Total deductions₹1,13,728
Take-home₹13,35,812

What gets deducted from CTC

  1. Employer EPF (12% of basic, capped at ₹1,800/month) — sits in your EPFO account, not your paycheque.
  2. Gratuity provision (4.81% of basic) — kept aside, paid only when you leave after 5+ years.
  3. Income tax — under your chosen regime, computed monthly via TDS.
  4. Your own EPF (12% of basic) — comes out of your salary, also capped if your basic is over ₹15,000.
  5. Professional tax (~₹200/month, ₹2,500/year cap) — state-level, deducted by employer.

For a typical ₹15 LPA CTC under the new regime, monthly take-home is around ₹1,05,000–1,10,000, depending on the basic-salary ratio your company uses. Old regime can be slightly better if you have a home loan.

Why the basic-salary % matters

Companies vary the “basic” component from 30% to 50% of CTC. A higher basic means more EPF (good for retirement) and more gratuity (good if you stay 5+ years), but lower take-home. Most companies set basic at 40-45% to balance both sides. If your offer letter shows basic below 30% of CTC, ask HR — that's unusually low and means you'll have less retirement savings.

FAQ

Why is my in-hand 60-65% of CTC?

CTC includes employer's PF contribution (12% of basic), gratuity provision, sometimes insurance premium — none of which reach you. Plus your tax. So 60-65% is normal.

Can I negotiate CTC structure?

Often yes — within company's framework. Higher Basic = more PF (forced retirement saving). Higher allowances = more in-hand. Discuss with HR.

CTC vs gross salary?

CTC = total cost to company including all employer contributions. Gross = Basic + HRA + allowances (excludes employer PF, gratuity). Net = gross − tax − PF − insurance.