What does your CTC really mean for monthly take-home pay?

Estimate in-hand salary from annual CTC and common deductions.

When this calculator is useful

Translate annual CTC into an estimated monthly and annual take-home amount after modeled salary components, payroll deductions and income tax.

What to enter

Enter annual CTC and tax regime, then adjust eligible deductions, NPS, HRA exemption, home-loan interest, bonus, Basic percentage and PF basis where relevant.

How to read the result

Review estimated monthly and annual in-hand pay, regular salary credit, cash gross, employer PF and gratuity inside CTC, employee PF, professional tax and estimated income tax.

Questions worth testing

Compare old versus new tax regime where applicable, a different Basic percentage, bonus amount or eligible deduction level.