About the CTC vs Gross vs Net Calculator
What is the CTC vs Gross vs Net Calculator?
CTC, gross and net salary are three different numbers. This CTC vs gross vs net calculator shows each one and exactly what separates them.
The step from CTC to gross removes employer-paid benefits like PF and gratuity; the step from gross to net removes your own PF, professional tax and income tax.
How to use the CTC vs Gross vs Net Calculator
- Annual CTC (₹) (sample: 12,00,000)
- Variable Pay in CTC (₹ per year) (sample: 1,00,000)
- Basic Pay (% of fixed CTC) (sample: 40)
- Provident Fund (sample: 12% of full basic)
- Gratuity Included in CTC? (sample: Yes)
- Tax Regime (sample: New regime (default))
- Professional Tax (₹ per year) (sample: 2,500)
- Press Break Down CTC, Gross and Net (results also refresh as you type). The result card shows the Net Take-Home (Annual), along with Cost to company (CTC), Gross salary, CTC → gross: employer PF + gratuity and Gross → net: employee PF, professional tax, income tax.
Formula used
Gross = CTC − Employer PF − Gratuity; Net = Gross − Employee PF − Professional tax − Income tax
Tax follows FY 2025-26 rules: under the new regime, taxable income up to ₹12 lakh (₹12.75 lakh of salary) pays no tax.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Annual CTC (₹) | 12,00,000 |
| Variable Pay in CTC (₹ per year) | 1,00,000 |
| Basic Pay (% of fixed CTC) | 40 |
| Provident Fund | 12% of full basic |
| Gratuity Included in CTC? | Yes |
| Tax Regime | New regime (default) |
| Professional Tax (₹ per year) | 2,500 |
| Result | Value |
|---|---|
| Net Take-Home (Annual) | ₹10,70,736 |
| Cost to company (CTC) | ₹12,00,000 |
| Gross salary | ₹11,26,036 |
| CTC → gross: employer PF + gratuity | ₹73,964 |
| Gross → net: employee PF, professional tax, income tax | ₹55,300 |
| Net as % of CTC | 89.2% |
What each level includes
| Level | What it includes |
|---|---|
| CTC | Everything the employer spends on you: gross salary + employer PF + gratuity provision (+ insurance and other benefits) |
| Gross salary | Basic + HRA + allowances + variable pay, before any deductions |
| Net (in-hand) | Gross minus employee PF, professional tax, income tax (TDS) and other deductions |
Tips for using the CTC vs Gross vs Net Calculator
- Compare job offers on net take-home and guaranteed pay, not on CTC.
- Some companies include insurance premiums and meal cards in CTC – ask for the breakup.