CTC to in-hand salary calculator
CTC to in-hand salary calculator for India. See how much of your offer reaches your bank account each month after PF, professional tax and income tax, under the old or new tax regime.
Why your in-hand salary is lower than your CTC
Cost to company (CTC) is everything an employer spends on you in a year. Only part of it arrives in your bank account each month. Employer PF and gratuity go to your retirement, joining bonuses and variable pay depend on conditions, and income tax, your own PF and professional tax are deducted before salary is paid.
What the Offer X-Ray shows
Type each line of your offer letter with its yearly amount, and choose how it's paid: monthly cash, conditional, variable, retirement or unclear. You see your approximate monthly in-hand salary, what share of the headline really reaches you, and an honesty score for how much of the CTC is fixed and explained.
Old vs new tax regime
Switch between regimes to see which leaves you more. The new regime uses a ₹75,000 standard deduction and no tax up to ₹12 lakh of taxable income. The old regime lets you enter HRA rent, 80C, 80D and home loan interest.
Compare your current and new offer
Add both offers to see the real change in monthly take-home, not just the jump on paper, and a line-by-line list of what changed, was added or disappeared.
Questions people ask
How much in-hand salary will I get from my CTC?
It depends on how the CTC is split. Fixed monthly pay like basic, HRA and allowances reaches you every month after tax and your PF. Employer PF, gratuity, joining bonuses and variable pay don't. The calculator works it out line by line.
Is my salary data shared?
No. The calculator runs in your browser, and your numbers are never sent to any AI or sold.
Are the figures exact?
They're close estimates to give you the gist. Your payslip can differ by a few thousand rupees, so confirm figures with your employer.
Official sources
The rules behind these numbers come from official government websites. Check them yourself any time:
- Income tax rules: incometax.gov.in (Income Tax Department)
- PF and pension: epfindia.gov.in (EPFO)
- Professional tax, Maharashtra: mahagst.gov.in (Maharashtra GST Department)
Job Shift Careers is an independent app by Cutting Chai Studio. It is not a government app and is not linked to any government or government body.