CTC to Take Home Calculator
Calculate your take-home salary from your CTC with deductions for taxes, PF, and other contributions.
Monthly CTC
₹83,333
Basic Salary
₹33,333
HRA
₹10,000
Special Allowance
₹38,200
Employer PF
₹1,800
Total Deductions
₹19,300
Monthly Take Home
₹62,233
Annual Take Home
₹7,46,796
Take Home Percentage: 74.68%
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Understanding CTC vs Take Home
Cost to Company (CTC) is the total amount an employer spends on an employee annually, including salary, benefits, and employer contributions. Take Home salary, on the other hand, is the actual amount you receive in your bank account after all deductions like income tax, employee PF, and professional tax are deducted from your gross salary.
Indian Salary Structure Breakdown
A typical Indian salary consists of basic salary, HRA (House Rent Allowance), special allowances, and employer contributions like PF (Provident Fund). While CTC includes all components, only the gross salary (after excluding employer PF) is taxable. Understanding your CTC structure helps in tax planning and negotiating better compensation packages.
Tax Planning Strategy
By using HRA exemption, Section 80C deductions, and health insurance under Section 80D, you can reduce your taxable income significantly. This calculator helps you visualize how different salary components affect your take-home salary after all statutory deductions.