CTC to Take Home Calculator
Work out your actual monthly take-home pay from a job offer's CTC, with a full breakdown of basic, HRA, PF, and estimated TDS calculated using real income-tax slabs — built for evaluating an offer, not just a rough guess.
- 1Enter the annual CTC quoted in your offer letter
- 2Enter basic pay as a percentage of CTC (40 by default; many offers use 40 to 50)
- 3Optionally change HRA as a percentage of basic (50 by default) to match your offer
- 4Click Calculate to see the basic, HRA, special allowance, and PF
- 5Review the estimated TDS and resulting monthly take-home pay
How the estimate is built
You enter your annual CTC, the percentage of it that is basic pay, and HRA as a percentage of basic. The tool applies a typical structure to the rest and estimates monthly take-home:
- Basic = the percentage of CTC you enter (40% by default); HRA = the percentage of basic you enter (50% by default); special allowance = what remains of your pay after basic, HRA, employer PF and gratuity, so the pieces add up.
- Employee PF = 12% of basic. Employer PF is assumed to be inside the CTC.
- Gratuity = basic ÷ 26 × 15 ÷ 12 per month, treated as part of CTC that you do not receive in hand.
- A standard deduction of Rs. 75,000, then income tax under the new regime (FY 2026-27 slabs, section 87A rebate, surcharge and 4% cess), divided over 12 months as estimated TDS.
What this means for the result
For a CTC of Rs. 12,00,000 the tool shows a monthly basic of Rs. 40,000 and a take-home figure after PF, gratuity and estimated tax. Your real payslip will differ because every employer structures pay differently (variable pay, insurance, meal cards, NPS contributions, professional tax).
Why the basic percentage matters
A higher basic means more PF and gratuity, which are part of your CTC but are not paid to you each month. For a CTC of Rs. 12,00,000, monthly take-home is about Rs. 88,477 with basic at 40% and about Rs. 85,596 with basic at 50%, roughly Rs. 2,900 a month less. At Rs. 18,00,000 the figures are about Rs. 1,22,246 and Rs. 1,18,336. Many employers moved basic towards half of pay after the new labour codes took effect on 21 November 2025, so check your offer and enter its real percentage. A combination is rejected when basic plus HRA would use up more than your pay. With HRA at 50% of basic, that means basic above about 59%.
What the HRA percentage does and does not change
It changes how your pay is split between HRA and special allowance, which is useful for matching the tool to your offer letter. It does not change take-home pay here. The tool calculates tax under the new regime, where HRA exemption is not available, so HRA and special allowance are both just taxable pay. To see how much HRA could be exempt under the old regime, use the HRA exemption calculator.
Limits
- The salary split is an assumption, not your offer letter. Basic and HRA are adjustable, but other components such as separately paid allowances, bonuses and insurance are not modelled.
- Tax uses the new regime only, so HRA exemption, 80C and other old-regime deductions are not applied. See the rules on the income tax calculator.
- Enter your own basic percentage. Under the labour codes in force since 21 November 2025, employers have been moving basic pay towards at least half of total pay for PF and gratuity purposes. The default of 40% may be too low for your offer; try 50 to compare.
- Variable pay and bonuses are not modelled.
Use it to compare offers at a rough level, then confirm with the salary breakup the company provides.