Salary Calculator
Calculate take-home salary from CTC (India 2025-26)
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📊 Salary Breakdown (Annual)
💡 Salary Insight
📊 Take-home ratio is 84% of gross. Good salary structure with optimal deductions!
❓ FAQs
CTC (Cost to Company): Total annual package including all benefits
Gross Salary: CTC - Employer EPF - Gratuity
Take-home: Gross - EPF (employee) - Tax - PT
CTC includes:
• Basic Salary (40-50%)
• HRA (40-50% of basic)
• Special Allowance
• EPF (12% basic each)
• Gratuity (4.81% basic)
• Bonus, Insurance, etc.
Monthly deductions:
• EPF: 12% of basic
• Income Tax (TDS)
• Professional Tax: ₹200/month
• Health insurance (if applicable)
Standard Deduction: ₹75K (New) / ₹50K (Old)
1. Choose New Regime (zero tax up to ₹12L)
2. Optimize HRA structure
3. Get NPS employer contribution
4. Use tax-free reimbursements (LTA, fuel, etc.)
5. 80C investments (Old regime)