Tools & CalculatorsPayroll calculators
CTC ↔ Take-home
Break an annual CTC into gross, statutory deductions and monthly take-home.
Inputs
Below the common 50% Basic guideline. If HRA + excluded components exceed 50% of gross, the excess gets added back to wages under Sec 2(y) (see below).
Salary components
%
Mark “Excluded” only for items that actually qualify under Sec 2(y) — conveyance, overtime, commission, LTA/travel concession, sums for special employment expenses. Items like an extra “Special Allowance” or performance pay are NOT excluded — they count as wages, same as Basic.
Results
Gross / month
₹94,386
Take-home / month
₹92,386
Take-home / year
₹11,08,637
| Monthly CTC | ₹1,00,000 |
| Less: employer PF (12% of statutory wages) | − ₹1,800 |
| Less: employer ESI (3.25% of gross) | − ₹0 |
| Less: gratuity provision (4.81% of statutory wages) | − ₹3,814 |
| Gross monthly salary | ₹94,386 |
| Basic (40% of gross) | ₹37,755 |
| HRA (40% of basic) | ₹15,102 |
| Special allowance (balancing) | ₹41,530 |
| Gross | ₹94,386 |
| Total remuneration (gross) | ₹94,386 |
| Less: HRA (excluded) | − ₹15,102 |
| Statutory wages (PF/gratuity base) | ₹79,285 |
| Employee PF (12% of statutory wages) | − ₹1,800 |
| Employee ESI (0.75% of gross) | − ₹0 |
| Professional tax — Karnataka | − ₹200 |
| Net take-home | ₹92,386 |
Excludes income tax/TDS. Professional tax: ₹200 per month.
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Indicative figures
This calculator is for illustration only. Rates, wage ceilings and state slabs change by notification — verify the assumptions shown above against the latest gazette notification or circular before relying on a figure.
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