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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

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