Calculator

CTC and take-home salary calculator

Convert annual CTC to monthly take-home, or reverse-solve the CTC required for a target take-home. The structure honours the Code on Wages, 2019 50% wages floor and applies EPF, ESI and professional tax deductions.

Inputs

Choose the direction and provide the salary structure.

Annual CTC

Basic (% of CTC)

HRA (% of basic)

EPF applicable

12% employee + 12% employer.

EPF wage ceiling (₹)

ESI applicable

0.75% employee + 3.25% employer, if gross within ceiling.

Professional tax (₹/month)

Result

Indicative figures. Income-tax deductions (TDS) are not modelled here.

Enter an amount to calculate

Provide CTC or desired take-home, then click Calculate.

Method and assumptions

Employer EPF is deducted from CTC to arrive at gross. Special allowance fills the remainder of gross after basic and HRA, so the structure always reconciles to the CTC entered.

EPF contributions are capped at the wage ceiling (default ₹15,000) where basic exceeds it. ESI is applied only if gross is within the ceiling (default ₹21,000). Both ceilings are editable to reflect future notifications.

Income-tax (TDS) is not modelled; consult a tax professional for personalised computation. Professional tax varies by state; a typical monthly figure is pre-filled and can be overridden.