Salary Breakup Calculator
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💼 SALARY BREAKUP CALCULATOR
ADVANCED CTC TO IN-HAND MONTHLY BREAKDOWN
1. PACKAGE DETAILS
2. MONTHLY SALARY PAYSLIP
ESTIMATED IN-HAND (TAKE HOME)
₹0
BEFORE INCOME TAX (TDS) DEDUCTIONS
EARNINGS (GROSS)
- Basic Salary (50%) ₹0
- HRA Allowance ₹0
- Special Allowance ₹0
- TOTAL GROSS ₹0
DEDUCTIONS & RETENTIONS
- Employee PF (12%) ₹0
- Employer PF (CTC Part) ₹0
- Professional Tax ₹0
- Gratuity (CTC Part) ₹0
- TOTAL DEDUCTION ₹0
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TDS (INCOME TAX) IS NOT DEDUCTED HERE
This breakdown shows your exact HR Payroll structure. Your final bank credit will be slightly lower based on your chosen Income Tax Regime and declared investments (TDS).
📉 GROSS VS IN-HAND
Gross Salary is what you earn before deductions. In-Hand (Net) is what hits your bank. Employer PF and Gratuity are part of your CTC, but they never become part of your Monthly Gross Salary.
⚖️ THE GRATUITY TRAP
Many employers add Gratuity (approx 4.81% of Basic) to inflate the CTC. By law, Gratuity is only payable if you complete exactly 5 continuous years in the company. If you leave before 5 years, this portion of your CTC is lost.