CTC Calculator 2026 (Cost to Company to In-Hand)
Convert annual Cost to Company (CTC) into exact monthly take-home salary, gross pay, employer retirals, and tax deductions.
Enter CTC Package Details
Annual In-Hand: ₹10.15 L (84.6% of total CTC)
Complete Itemized CTC to In-Hand Structure Table
| Salary Component | Category | Monthly (₹) | Annual (₹) |
|---|---|---|---|
| Basic Pay (50%) | Direct Salary | ₹50,000 | ₹6.00 L |
| House Rent Allowance (HRA) | Direct Salary | ₹25,000 | ₹3.00 L |
| Special / Flexible Allowance | Direct Salary | ₹15,763 | ₹1.89 L |
| Employer EPF Contribution (12%) | Employer Retirals | ₹6,000 | ₹72,000 |
| Gratuity Provision (4.81%) | Employer Retirals | ₹2,404 | ₹28,846 |
| Group Health Insurance Premium | Non-Cash Benefits | ₹833 | ₹10,000 |
| Employee EPF Deduction (12%) | Deductions | -₹6,000 | -₹72,000 |
| Professional Tax (PT) | Deductions | -₹200 | -₹2,400 |
| Income Tax (TDS) | Deductions | ₹-0 | ₹-0 |
| Net Monthly In-Hand Credit | ₹84,563 | ₹10.15 L | |
About the CTC Calculator
Cost to Company (CTC) is the total annual expense a business incurs to employ an individual in India. Many job seekers confuse Annual CTC with In-Hand Take-Home Salary. CTC includes non-cash benefits (group insurance), employer retirals (Employer EPF, Gratuity), and variable bonuses that are not credited directly to your monthly bank account.
CTC vs Gross Salary vs Net In-Hand
1. CTC (Cost to Company)
Total expense incurred by employer, including employer EPF, gratuity, and health insurance.
2. Gross Salary
Total direct salary before employee deductions: Basic + HRA + Special Allowance + Variable Pay.
3. Net In-Hand Salary
Actual credited amount in bank account after Employee EPF, Professional Tax, and Income Tax (TDS).
The CTC Conversion Formula
Gross Salary = CTC − (Employer EPF + Employer NPS + Gratuity + Insurance)
Net In-Hand = Gross Salary − (Employee EPF + Professional Tax + Income Tax TDS)
Authoritative References
- Income Tax Department, Government of India: incometaxindia.gov.in
- Employees’ Provident Fund Organisation (EPFO): epfindia.gov.in
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