Estimate your monthly take-home salary from your annual CTC, accounting for PF contributions and basic salary structure.
This is a simplified estimate that doesn't include income tax (TDS), since that depends on your full tax situation, deductions, and chosen regime. Use our Income Tax Calculator alongside this one for a complete post-tax picture.
CTC (Cost to Company) includes employer contributions like PF and gratuity provisioning that you don't directly receive in your bank account, plus deductions like your own PF contribution and income tax (TDS) that reduce your gross pay to your net take-home amount.
There's no fixed rule, but basic salary commonly ranges from 40-50% of CTC in most Indian companies. This calculator lets you set your own assumption since it varies by employer and role.
This calculator provides a simplified estimate accounting for PF and a standard deduction approximation. For a precise post-tax figure, use our dedicated Income Tax Calculator alongside this one to compute your exact TDS based on your full income and deductions.
CTC includes everything the company spends on you, including employer PF contribution, gratuity provisioning, and insurance. Gross salary is what appears on your payslip before deductions — it excludes the employer's PF contribution and other employer-side costs.
Often yes — many companies include a variable bonus or performance pay component within the quoted CTC figure, even though it isn't guaranteed every month. Check your offer letter's breakup to see exactly what's included.
Job offers in India are usually quoted as an annual CTC figure, which can be confusing since it doesn't directly translate to what lands in your bank account each month. This calculator breaks down the gap between CTC and in-hand salary, primarily driven by PF contributions on both sides.
For a more complete picture including income tax, check our PF Calculator to see how your retirement corpus builds over time, and our Income Tax Calculator to estimate your TDS.
