Salary Breakdown Calculator

What you'll see in the results

9 outputs come back. Here is what each one means.

Basic salary

Rupee amount you owe, earn, or save.

Employer EPF

Rupee amount you owe, earn, or save.

Employer NPS (10%)

Rupee amount you owe, earn, or save.

Gratuity

Rupee amount you owe, earn, or save.

Medical/insurance

Rupee amount you owe, earn, or save.

Other benefits

Rupee amount you owe, earn, or save.

Total employer cost

Rupee amount you owe, earn, or save.

Take-home annual

Rupee amount you owe, earn, or save.

Take-home monthly

Rupee amount you owe, earn, or save.

How to use this calculator

1. 1

   Enter the annual ctc (₹)

   Type the value you want to compute against. The calculator accepts any number in the unit shown next to the field label.

2. 2

   Set employer epf contribution (%), basic as % of ctc, other benefits (₹)

   Fill the remaining 3 fields so the calculator has everything it needs. Defaults are pre-loaded for a quick first look.

3. 3

   Read the 9 results

   Results show basic salary, employer epf, employer nps (10%), gratuity, medical/insurance, other benefits, total employer cost, take-home annual, take-home monthly. The values update live as you change inputs.

4. 4

   Copy or screenshot the result

   Use the "Copy" button on the results panel to copy every value to your clipboard for sharing with a bank, lender, or financial advisor.

Methodology and sources

The calculator runs a standard financial formula on the values you enter. Verify the final numbers with your bank or financial institution before making any decision — banks update their fees, interest rates, and tax treatment without notice.

1. 1. RBI — regulated entities list Find your bank's current rates, fees, and T&Cs before making any decision.

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