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Mauli Pawar & Associates

Tax Professional

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Salary & Finance Tool

Salary / CTC Calculator

Calculate CTC, gross salary, PF, ESIC, professional tax, income tax, TDS and monthly take-home salary.

Salary Configuration

Enter the employee's annual CTC and salary assumptions.

Example: ₹12,00,000

Salary Structure

Customize the main salary components.

40%
20% 60%
50%

PF ceiling is configurable because employers may contribute on higher wages subject to applicable rules.

Estimated Monthly Take-Home
₹70,000
Annual Take-Home
₹8,40,000
Monthly Gross
₹85,000
Monthly TDS
₹8,000
Annual Tax
₹96,000
Annual CTC
₹12,00,000
Annual Gross
₹10,80,000
Employee PF
₹21,600
Annual TDS
₹0

Salary Breakdown

Annual salary structure

Basic Salary ₹4,80,000
HRA ₹2,40,000
Special / Other Allowance ₹3,60,000
Employer PF ₹21,600
Employer ESIC ₹0
Total CTC ₹12,00,000

Employee Deductions

Employee PF ₹21,600
Employee ESIC ₹0
Professional Tax ₹2,500
Income Tax / TDS ₹0
Other Deductions ₹0
Total Deductions ₹24,100

Income Tax / TDS

New Tax Regime – AY 2026-27

Taxable Income
₹11,25,000
Income Tax
₹0
Tax + 4% Cess
₹0

Important Note

This calculator provides an estimate.

Monthly Salary Statement

Estimated monthly payroll structure

Component Monthly Annual
Basic Salary ₹40,000 ₹4,80,000
HRA ₹20,000 ₹2,40,000
Special Allowance ₹30,000 ₹3,60,000
Gross Salary ₹90,000 ₹10,80,000
Employee PF ₹1,800 ₹21,600
Employee ESIC ₹0 ₹0
Professional Tax ₹208 ₹2,500
TDS ₹0 ₹0
Net Take-Home ₹88,000 ₹10,56,000

Salary Calculator Information

CTC

Cost to Company includes salary components and applicable employer contributions/benefits.

PF

EPF is generally calculated at 12% for the employee and employer share, subject to the applicable wage ceiling and rules.

ESIC

Where applicable, employee ESIC is 0.75% and employer ESIC is 3.25%, subject to the applicable wage conditions.