Salary Calculator
Break your annual CTC into monthly take-home pay, with Basic, HRA, PF and estimated tax shown separately.
How to use Salary Calculator
- Enter your annual CTC and your bonus as a percentage of it.
- Your monthly take-home pay is calculated automatically, with Basic, HRA, PF deduction and estimated tax broken out.
Frequently asked questions
How does it break CTC into Basic, HRA, and other components?
Basic is set to 40% of CTC, HRA to 50% of Basic (which works out to 20% of CTC), PF to 12% of Basic, and whatever's left after Basic, HRA, and your bonus % becomes the Special Allowance.
Which tax rules does the income tax estimate use?
The new-regime slabs for FY 2025-26 / FY 2026-27 (0% up to ₹4L, then 5/10/15/20/25/30% across the higher bands), applied to CTC minus PF minus a ₹75,000 standard deduction, with the Section 87A rebate zeroing out tax when taxable income is ₹12L or under — it's a simplified estimate, not a substitute for an actual tax filing.
Does this account for allowances like LTA, meal cards, or other investments?
No — it only models Basic, HRA, PF, bonus, and estimated tax. Anything else your employer folds into CTC isn't broken out separately.
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