- Basic salary assumed as 40 percent of fixed pay.
- Employer PF capped at the standard monthly ceiling when basic exceeds 15k.
- Only PF is considered for 80C; other deductions are not included.
- Stock grants, ESOPs, and benefits are excluded.
CTC Decoder
See where your "20 LPA" actually goes. We deduct the "Ghost Components" (Employer PF, Gratuity, Variable Pay) that HR adds to inflate the number.
Money you *might* get annually, not monthly.
For Old Regime Optimization (HRA):
Shocked? That's the point.
Compare with Market Standards →What This Calculator Covers
Standard Indian CTC structure: variable pay, employer PF, gratuity, employee PF, professional tax, and income tax under both regimes. It selects the lower tax regime by default.
Assumptions and Limits
Common Scenarios
- Service companies often have higher variable pay and lower fixed take-home.
- Startups may show higher fixed pay but smaller employer PF contributions.
- Metro HRA benefits apply only when rent is paid and declared.
FAQ
Why is my in-hand lower than expected? CTC includes employer PF, gratuity, and variable components that are not monthly cash.
Is this exact? It is a strong estimate; actual pay slips vary by company structure.
Can you add more deductions? Yes. Share edge cases on the Salary Drop page.
Edge Cases We Do Not Model Yet
- NPS employer contribution and other retirement benefits.
- Special allowances tied to location or shift timing.
- ESOPs, stock grants, and retention bonuses.
- Insurance premiums and reimbursement limits.
Last updated: February 2026