Convert annual CTC to monthly in-hand salary with EPF, ESI, professional tax, HRA exemption, and TDS for new or old tax regime.
FY 2025-26 tax slabs. CTC breakdown includes EPF, ESI (if gross ≤ ₹21,000/month), professional tax, and TDS for new/old regime.
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CTC (Cost to Company) is the total annual cost an employer bears for an employee. In-hand (take-home) salary is what the employee receives after deductions. CTC includes: basic salary, HRA, special allowances, employer's EPF contribution (12% of basic), employer's ESI (3.25% if salary < ₹21,000), gratuity provision, and any other benefits.
Employee EPF contribution: 12% of basic salary (capped at ₹1,800/month if basic > ₹15,000, though many companies contribute on actual basic). Employer EPF: 12% of basic, split as 8.33% to EPS (capped at ₹1,250/month on ₹15,000 ceiling) + 3.67% to EPF. Total EPF contribution = 24% of basic salary.
ESI (Employees State Insurance) provides health and social security benefits. Applicable when employee gross salary ≤ ₹21,000/month (₹25,000 for differently abled). Employee contribution: 0.75% of gross. Employer contribution: 3.25% of gross. ESI provides medical care, maternity benefits, disability benefits, and dependent benefits.
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