CTC Calculator India — CTC to In-Hand Salary

See where your "20 LPA" actually goes. We deduct the "Ghost Components" (Employer PF, Gratuity, Variable Pay) that HR adds to inflate the number.

Annual CTC (Rs)

Variable Pay / Bonus (%)

Money you *might* get annually, not monthly.

For Old Regime Optimization (HRA):

Monthly Rent Paid (Rs)

City Type

How This Calculator Works

This CTC Decoder breaks down your Indian Cost-to-Company (CTC) into actual monthly take-home salary. Here is what it computes:

Basic Pay: Typically 40-50% of CTC. This is your tax-computation base.
Employer PF: 12% of Basic (capped at Rs 1,800/month for most companies). Not part of your monthly cash.
Gratuity: 4.81% of Basic. Paid only after 5 years of service.
Variable Pay: Performance-linked bonus, usually 10-20% of CTC. Not guaranteed monthly.
HRA (Old Tax Regime): Exemption calculated using rent paid, basic pay, and city type (metro vs non-metro).

New Tax Regime (FY 2025-26)

Standard deduction: Rs 75,000. Tax slabs: 0-4L nil, 4-8L at 5%, 8-12L at 10%, 12-16L at 15%, 16-20L at 20%, 20-24L at 25%, above 24L at 30%. Rebate u/s 87A for income up to Rs 12 lakh.

Example: Rs 12 LPA CTC

Enable JavaScript for interactive calculations with your exact CTC structure.

The Real Monthly In-Hand

Rs 0

(Using New Regime)

Where did the money go?

Annual CTC (Offer)	Rs 0
(-) Variable Pay / Bonus (Not guaranteed monthly)	-Rs 0
(-) Employer PF (12% of Basic, Locked)	-Rs 0
(-) Gratuity (4.8% of Basic, Locked 5yrs)	-Rs 0
= Actual Gross Salary	Rs 0
(-) Employee PF (Your contribution)	-Rs 0
(-) Professional Tax	-Rs 2,400
(-) Income Tax NEW REGIME	-Rs 0
= Net Annual In-Hand	Rs 0

* This assumes 'Basic Salary' is 40% of Fixed Pay (common structure). Variable pay is excluded from monthly flow as it's discretionary/annual.

Shocked? That's the point.

Compare with Market Standards →

Want percentile benchmarks for your role and city?

Career Reality Pro shows where your CTC sits vs market medians, plus saved analyses and weekly intel.

Explore Pro — from ₹299/mo

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