CTC vs take-home salary

CTC, gross salary and take-home pay are different measures. Payroll deductions and tax can make take-home salary lower than CTC.

CTC and gross salary

CTC can include employer contributions. The calculator separates these from estimated annual gross salary.

The salary tool identifies the selected AY 2026–27 regime and shows taxable income, income tax and health and education cess separately.

Employer salary structures, exemptions, deductions and individual tax circumstances can change actual payroll outcomes.

Why is take-home lower than CTC?

CTC can include employer costs, while employee PF, professional tax and income tax can reduce take-home pay.

Does this provide tax advice?

No. It is a transparent planning estimate and not tax advice.

Calculations are based on the formulas and assumptions shown. Actual financial outcomes may differ.