Free Tool · No. 08 · F.Y. 2026-27

Salary / CTC Calculator

CTC to take-home — and take-home to CTC — with the statutory parts done right.

Adjustable structure: basic and HRA percentages, employer PF with the ₹15,000 wage-ceiling option, ESIC applied automatically only where the law applies it, statutory bonus and gratuity inside or on top of CTC, Gujarat professional tax, and a new-regime TDS estimate. Then turn the structure into a printable salary slip with the amount in words.

A working tool by Darshit Oza & Associates · Chartered Accountants · Ahmedabad · FRN 160767W

Direction & amount

Structure & statutory options

Employer PF & ESIC inside CTC (untick if paid over and above)
Bonus inside CTC
Gratuity provision (4.81% of basic) inside CTC
Gujarat professional tax (₹200/month above ₹12,000)

Salary slip details

Run the calculator first — the structure flows in automatically. Or type figures directly below.

Common questions

How do I calculate in-hand salary from CTC?

Remove what sits inside CTC but never reaches you (employer PF, gratuity provision, bonus), then deduct employee PF, ESIC where gross ≤ ₹21,000, professional tax and TDS. This calculator makes each element explicit and toggleable — and also works in reverse.

Is ESIC applicable on my salary?

ESIC applies where monthly gross wages are up to ₹21,000 in a covered establishment — 0.75% employee, 3.25% employer. The calculator applies it automatically only when the computed gross is within the ceiling.

Is employer PF part of CTC?

Usually yes by convention, but it's the employer's choice of presentation — which is exactly why two offers with the same CTC can pay differently. The calculator lets you set PF, bonus and gratuity inside or on top of CTC.