CTC to Take-Home Salary Calculator 2025
See exactly how your CTC splits into basic salary, HRA, PF, gratuity, special allowance, and your net take-home pay. Updated for FY 2025-26 with the latest tax slabs and ₹12 lakh rebate.
Last Updated: March 2025
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How to Use This Calculator
- Enter your annual CTC from your offer letter or salary slip.
- Select metro or non-metro for accurate HRA calculation.
- Toggle PF opt-in based on your company policy.
- View the complete component-wise breakdown instantly.
Formula Used
Basic = 40% of CTC
HRA = 50% of Basic (Metro) / 40% (Non-Metro)
PF = 12% of min(Basic, ₹1,80,000) — both employee & employer
Gratuity = (Basic × 15) / 26
Special Allowance = CTC - Basic - HRA - Employer PF - Gratuity
Net Take-Home = Gross - Employee PF - Prof Tax - Income Tax