CTC to in-hand salary calculator
Type your annual CTC and see what reaches your bank account each month. Got two offers? Compare them side by side.
Offer A
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Offer B
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How this is calculated (updated November 2026)
- PF: the employee share is 12% of PF wages. Mandatory PF applies only up to the wage ceiling, which the Labour Ministry raised from ₹15,000 to ₹25,000 a month from 17 September 2026. PF above the ceiling is voluntary, and many employers still deduct on full basic. Choose the option that matches your payslip.
- Employer PF in CTC: if your CTC includes the employer's 12%, it is subtracted before your fixed pay is worked out. Many offer letters work this way, but not all.
- Income tax: new regime for FY 2026-27: ₹75,000 standard deduction, slabs of 5% (₹4–8 lakh), 10% (₹8–12 lakh), 15%, 20%, 25% and 30% above ₹24 lakh, 4% cess, and no tax when taxable income is up to ₹12 lakh (so salary up to about ₹12.75 lakh). Marginal relief is applied just above ₹12 lakh. Surcharge, the old regime, HRA, NPS and other deductions are not modelled.
- Professional tax: set by your state, and some states charge none. ₹200 a month is only a common default. Change it to match your payslip.
- Variable pay: shown per year. It is paid separately, and tax is spread evenly over 12 months here, so treat the monthly TDS as approximate.
- Not modelled: ESI, labour welfare fund, canteen or cab deductions, notice recovery, and company-specific allowances.
This is an estimate for planning, not payroll advice. Your offer letter's CTC annexure and your first payslip are the final word. Employee Table never charges candidates; always check any offer before you accept it.