SALARY CALCULATOR
Turn a CTC number into a real one.
CTC is a recruiting number. This converts it into the annual and monthly figures you can actually budget against, and shows what percentage of the package you keep.
Enter your details
Fields are pre-filled with typical values — type your own or drag the sliders, and everything recalculates instantly. Nothing is sent to a server.
The headline package figure from the offer letter.
House rent allowance is conventionally 50% of basic in metro cities and 40% elsewhere.
The new regime has lower slab rates but allows almost no deductions.
Section 80C, 80D and similar. Ignored under the new regime.
Calculated on FY 2025-26 statutory rates. Indicative only — confirm against current notifications before filing.
Annual in-hand from CTC
₹13,58,750
Monthly in-hand
₹1,13,229
In-hand as % of CTC
90.58%
Annual gap vs CTC
₹1,41,250
How annual CTC splits between take-home and everything else
Full breakdown
Step-by-step calculation
HOW IT WORKS
The formula used
The conversion happens in two stages: CTC to gross, then gross to in-hand.
Monthly CTC − employer PF − administration charges − EDLIGross − employee PF − ESI − professional tax − income tax(Annual in-hand ÷ annual CTC) × 100A useful single number when comparing two offers.UNDERSTANDING IT
About the ctc to in-hand salary calculator
Cost to company was invented as a way for employers to express total spend on an employee in one figure. It is genuinely useful for budgeting a headcount, and genuinely misleading if read as income.
The portion of CTC that never reaches you falls into two groups. The first is employer-side statutory contributions — provident fund, administration charges and the deposit-linked insurance premium. The second is your own statutory deductions, which do reduce your bank credit but partly return to you later, as in the case of provident fund.
The retention ratio — in-hand as a percentage of CTC — is the most useful number when comparing offers. Two packages at the same CTC can produce meaningfully different retention ratios depending on how basic is set and which tax regime applies.
Worked example
Take an offer of ₹15,00,000 CTC in a metro city.
Monthly CTC is ₹1,25,000. After removing employer provident fund, administration charges and insurance, monthly gross is roughly ₹1,23,000. From that, employee provident fund of ₹1,800, professional tax of ₹200 and monthly income tax are deducted. The resulting in-hand is typically 70% to 80% of CTC at this level, depending on the regime elected.
WHY IT HELPS
What this calculator is good for
Compare two offers properly
Retention ratio exposes differences that a CTC-to-CTC comparison hides completely.
See the gap component by component
Every rupee between CTC and in-hand is attributed to a named deduction rather than left unexplained.
Budget on the right figure
Loan eligibility and rent affordability are assessed on take-home, not on package.
WATCH OUT
Common mistakes
These are the errors that most often produce a wrong number.
Reading CTC as annual income when filing a loan application or rental agreement.
Assuming a fixed percentage rule such as 'in-hand is 70% of CTC' — the ratio changes sharply with salary level and regime.
Overlooking variable pay inside CTC, which is only received if performance conditions are met.
Forgetting gratuity accrual, which some employers include in CTC even though it is only paid after five years.
HR TIPS
Practical guidance
Ask for the structure, not just the number
Request the component-wise breakup before accepting. The split matters more than the headline.
Separate fixed from variable
Compute retention on fixed pay alone, then treat variable pay as upside rather than income.
Check what is genuinely a benefit
Insurance premiums and meal cards inside CTC have real value, but they are not spendable income.
QUESTIONS
CTC to In-Hand Salary Calculator — frequently asked
Typically between 65% and 85%. The ratio falls as salary rises because income tax becomes a larger share, and it varies with how much of CTC sits in employer contributions and variable pay.
Many employers include gratuity accrual in CTC. It is a genuine future cost, but it is only payable after completing the qualifying period of continuous service, so it should not be treated as current income.
Usually yes. Variable or performance pay is included at target value, which means the CTC figure assumes full achievement. Compute your in-hand on fixed pay and treat variable as upside.
Because the structure differs. A higher basic increases provident fund deductions, a metro posting changes house rent allowance treatment, and the tax regime elected changes the tax outgo. All three move in-hand without moving CTC.
Results are indicative and computed on FY 2025-26statutory rates using conventional salary-structure assumptions. Your actual figures depend on your employer’s structure, your state and your declarations. Confirm against current notifications before relying on these numbers for filing.
Run this on real payroll, not a calculator
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