Separate fixed cash from variable bonus.
In-hand Salary Calculator
Translate annual CTC into estimated monthly take-home pay. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Estimated average monthly take-home₹1.15 LUpdates instantly as you edit
Annual CTC₹18.00 L
Employer-side / non-cash CTC₹2.19 L
Estimated annual take-home₹13.82 L
Projection journeyHover to inspect a year
Uses the new regime, ₹75,000 standard deduction and simplified PF/gratuity assumptions. Payroll structure, bonus timing, benefits and TDS can change bank credit.
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Five smart nudges
Use the result with context.
Employer PF and gratuity can sit inside CTC.
Budget from recurring bank credit, not annual average.
Compare insurance and equity benefits separately.
Reconcile the estimate with the offer annexure.
Understanding CTC to Take-home in India
Editorially reviewed 13 July 2026 · Rules and assumptions can change
Why CTC is not bank credit
CTC can include employer PF, gratuity accrual, insurance, stock benefits and variable pay. These are employment costs or contingent benefits, not necessarily monthly cash. The calculator first removes employer-side and non-cash elements, then estimates employee PF, professional tax and income tax.
Two ₹18 lakh offers can produce different take-home because their basic salary, bonus, retirement benefits and allowances differ. Compare the detailed salary structure, not the headline CTC.
Tax and payroll assumptions
The projection uses an indicative new-regime calculation and annualises deductions. Actual TDS can change with joining month, previous-employer income, declarations, bonus timing, perquisites and special-rate income.
Professional tax is state-specific and employee PF may be limited or calculated under establishment policy. Gratuity is not normally a monthly employee deduction even though it can appear inside CTC.
Offer-comparison checklist
Separate fixed cash, variable cash, employer retirement contribution, insurance, equity and one-time joining benefits. Check bonus probability and clawback conditions.
Use annual take-home for comparison and build the monthly budget from recurring fixed cash rather than an average that includes a year-end bonus.
Official sources used for this guide
- Income Tax Department — AY 2026–27 individual tax guidance ↗
- Income Tax Department — Income and Tax Estimator manual ↗
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
CTC to Take-home calculator FAQs
Why is take-home much lower than CTC?
Employer benefits, gratuity, PF, variable pay and taxes can sit between CTC and bank credit.
Is bonus included every month?
Usually no; this tool shows an annual average, while payroll timing follows the offer.
Does the result replace a payslip?
No. Use the employer’s actual salary structure and payroll rules.
Is employer PF deducted twice?
Employer PF reduces cash CTC allocation, while employee PF is a separate salary deduction.