CTC to Take-Home Salary Calculator
Enter your annual CTC to get a complete salary breakdown — Basic, HRA, PF, Gratuity, TDS, and your actual monthly in-hand salary. Supports Old and New tax regime (FY 2024-25).
+ Old Regime Deductions (80C, 80D, NPS)
Understanding Your Indian Salary — CTC vs In-Hand
Most Indians are confused about why their in-hand salary is much less than their CTC. Here's a clear explanation of every component:
What is CTC?
CTC (Cost to Company) is the total amount your employer spends on you annually. It includes your salary plus employer's share of PF, gratuity, and any other benefits. It is NOT what you take home.
What is Gross Salary?
Gross Salary is your CTC minus employer PF and gratuity. This is the amount that appears in your salary slip before deductions. It includes Basic, HRA, LTA, and Special Allowance.
What is Net / In-Hand Salary?
Net salary is what gets credited to your bank account — after deducting Employee PF (12% of Basic), Professional Tax, and TDS (income tax). This is usually 15–30% less than CTC depending on your tax bracket.
Old Regime vs New Regime — Which is Better?
Old Regime allows deductions like HRA exemption, 80C (₹1.5L), 80D, NPS 80CCD(1B), and standard deduction of ₹50,000. New Regime has lower tax rates but very few deductions — only ₹75,000 standard deduction. MoneyTechTools automatically calculates both and tells you which saves more tax for your specific salary and investments.