Calculate take-home salary from CTC — with PF, ESI, Professional Tax, and Income Tax breakdown
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Salary Breakdown
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Frequently Asked Questions
How is take-home salary calculated from CTC?+
Take-home = CTC − Employer PF − Employer ESI − Gratuity − Income Tax (TDS) − Employee PF − Employee ESI − Professional Tax. Typical take-home is 60-75% of CTC depending on salary structure and tax regime chosen.
What is the PF contribution rate?+
Employee contributes 12% of Basic + DA to EPF. Employer contributes 12% (split: 3.67% to EPF + 8.33% to EPS). Basic salary above ₹15,000/month: EPS contribution capped at ₹1,250/month. Both employee and employer contributions are mandatory for establishments with 20+ employees.
What is Professional Tax?+
Professional Tax (PT) is a state-level tax on salaried individuals. Maximum ₹2,500/year (₹200/month typically). Rates vary by state: Maharashtra charges ₹2,500/year for salary > ₹10,000/month, Karnataka ₹200/month, Tamil Nadu ₹2,500/year for > ₹21,000/month.
How is HRA exemption calculated?+
HRA exemption is the LEAST of: (1) Actual HRA received, (2) 50% of Basic for metro cities / 40% for non-metro, (3) Rent paid minus 10% of Basic. This applies only under the old tax regime. New regime does not allow HRA exemption.