Calculator
Salary Breakdown Calculator
Break down your CTC into take-home pay, EPF, gratuity, and employer benefits. See the monthly in-hand salary vs the full cost-to-company for FY 2026-27.
Last updated 8 October 2026
How this works
Break down your CTC into take-home pay, EPF, gratuity, and employer benefits. See the monthly in-hand salary vs the full cost-to-company for FY 2026-27.
The calculator takes 4 inputs (annual ctc (₹), employer epf contribution (%), basic as % of ctc, other benefits (₹)) and produces 9 outputs (basic salary, employer epf, employer nps (10%), gratuity, medical/insurance, other benefits, total employer cost, take-home annual, take-home monthly). All formulas are published below — no hidden assumptions, no sign-up wall, no data sent to a server.
Initial result (using default inputs):
- Basic salary
- 480000
- Employer EPF
- 57600
- Employer NPS (10%)
- 48000
- Gratuity
- 23088
- Medical/insurance
- 18000
- Other benefits
- 0
- Total employer cost
- 626688
- Take-home annual
- 1092000
- Take-home monthly
- 91000