Free Statutory Salary Tool
Free CTC Calculator — Indian Salary Breakup & In-Hand Estimator
Accurately break down your annual Cost to Company (CTC) into monthly gross pay, basic salary, HRA, employer and employee EPF, and real monthly take-home salary.
Real-Time Instant Calculation
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EPFO Statutory 2026 Ready
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Monthly In-Hand (Est.)
₹48500.00
Net Take-Home
Monthly Gross Salary
₹50000.00
Before Deductions
Monthly Basic
₹20000.00
Core Statutory Base
| Salary Component | Monthly | Annual |
|---|---|---|
| Basic Salary | ₹20000.00 | ₹240000.00 |
| House Rent Allowance (HRA - 50%) | ₹10000.00 | ₹120000.00 |
| Conveyance Allowance | ₹1600.00 | ₹19200.00 |
| Special / Balancing Allowance | ₹18400.00 | ₹220800.00 |
| Gross Salary | ₹50000.00 | ₹600000.00 |
| Employee PF (12% of capped basic) | − ₹1800.00 | − ₹21600.00 |
| Employer PF (Part of CTC) | ₹1800.00 | ₹21600.00 |
| Estimated Take-Home (In-Hand) | ₹48200.00 | ₹578400.00 |
* Income Tax (TDS) and state Professional Tax (PT) excluded.
Understanding Cost to Company (CTC) in India
Cost to Company (CTC) represents the total expenditure an employer incurs on an employee over a full financial year. Unlike gross salary or take-home pay, CTC encompasses all direct compensation, indirect statutory benefits (like employer provident fund and gratuity contributions), and reimbursable perks.
CTC vs. Gross Salary vs. Net In-Hand Salary
| Salary Term | What It Includes | Who Receives It |
|---|---|---|
| CTC (Cost to Company) | Gross Salary + Employer PF + Gratuity provision + Insurances + Perks | Total company financial obligation |
| Gross Salary | Basic + HRA + Conveyance + Special Allowance + Bonuses (before deductions) | Earnings figure shown on your payslip |
| Net In-Hand Salary | Gross Salary − Employee PF − Professional Tax − TDS / Income Tax | Actual amount credited into your bank account |
Standard CTC Benchmark Table (India 2026)
Below is an indicative breakdown of standard salary bands using the 40% basic framework with EPF statutory wage capping applied:
| Annual CTC | Monthly Gross | Monthly Basic | Monthly PF (Employee) | Est. Monthly In-Hand |
|---|---|---|---|---|
| ₹3,00,000 (3 LPA) | ₹23,200 | ₹10,000 | ₹1,200 | ₹22,000 |
| ₹6,00,000 (6 LPA) | ₹48,200 | ₹20,000 | ₹1,800 (Capped) | ₹46,400 |
| ₹10,00,000 (10 LPA) | ₹81,533 | ₹33,333 | ₹1,800 (Capped) | ₹79,733 |
| ₹15,00,000 (15 LPA) | ₹1,23,200 | ₹50,000 | ₹1,800 (Capped) | ₹1,21,400 |
| ₹25,00,000 (25 LPA) | ₹2,06,533 | ₹83,333 | ₹1,800 (Capped) | ₹2,04,733 |
Frequently Asked Questions (FAQ)
CTC is the total cost your employer spends to employ you for one year. Take-home (in-hand) salary is what you actually receive in your bank account every month after deducting employee PF, professional tax, and income tax (TDS), and excluding employer-side contributions.
Under Indian corporate standard practices, employers view the 12% statutory provident fund contribution as a direct cost of hiring an employee. Thus, both employee PF (deducted from gross) and employer PF (borne by company) are part of the total CTC package.
Under the Employees' Provident Funds Act 1952, statutory PF contributions are mandated on basic wages up to ₹15,000 per month (12% of ₹15,000 = ₹1,800/month). While employers can contribute on full basic salary voluntarily, most private employers cap statutory PF at ₹1,800 per month.
Basic salary is traditionally configured between 40% to 50% of annual CTC. Under India's new Code on Wages guidelines, basic salary and wages must constitute at least 50% of total compensation to ensure adequate retirement benefits.
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