Enter your CTC (Cost to Company) and the calculator breaks it down into basic, HRA, allowances, employer PF, employee PF, professional tax, income tax, and net take-home. Both regimes computed - pick the cheaper one. Updated for FY 2025-26 with new regime's ₹12L rebate.
When to use this
Use when: evaluating job offers (compare CTCs and effective take-home), planning salary negotiation (understand the basic / HRA / allowance impact on take-home), filing ITR with salary as main income, computing monthly take-home from annual CTC.
Frequently Asked Questions
Is employer's PF part of CTC?
Yes - CTC includes employer's PF contribution (12% of basic salary, max ₹1800/month under EPS). It's a benefit to you (goes to your retirement account) but feels invisible since it doesn't hit your bank account. The calculator separates 'CTC components' from 'in-hand salary'.
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