Separate fixed cash from variable bonus.
In-hand Salary Calculator
Estimate regular-month and annual-variable take-home under both tax regimes. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Regular-month take-home (without variable pay)₹1.06 LUpdates instantly as you edit
Expected annual cash salary₹16.29 L
New-regime tax including cess₹1.18 L
Variable-payout month take-home256047 months
Detailed comparisonNew regime versus Old regime
MeasureNew regimeOld regime
Taxable income₹15,53,985₹14,15,185
Annual tax including cess₹1,17,622₹2,46,538
Regular month take-home₹1,06,047₹95,304
Variable payout month₹2,56,047₹2,45,304
Annual take-home₹14,22,563₹12,93,647
Projection journeyHover to inspect a year
Uses AY 2026–27 slabs and assumes annual tax is spread evenly for comparison. Variable pay is added once a year; actual payroll may withhold more TDS in the payout month. Employer PF, gratuity and non-cash benefits remain outside bank credit.
Take the next step
Want help exploring CTC to Take-home?
Leave your details and consent to be contacted about this product. We never ask for PAN, Aadhaar or banking credentials here.
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 removes employer-side and non-cash elements, separates recurring fixed cash from the expected annual variable payout, and then estimates employee PF, professional tax and income tax.
Two ₹18 lakh offers can produce different take-home because their basic salary, variable-pay target and payout probability, retirement benefits and allowances differ. Compare the detailed salary structure, not the headline CTC.
Tax and payroll assumptions
The projection compares AY 2026–27 old and new regime slabs. It applies ₹75,000 new-regime and ₹50,000 old-regime salary standard deductions, screens the entered old-regime HRA, self-occupied home-interest and eligible deductions, and includes relevant rebate, marginal relief, surcharge and 4% cess in the simplified normal-income estimate.
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 a monthly employee deduction even when its annual accrual appears 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. The regular-month result excludes variable pay and the separate payout-month result adds the expected annual variable amount once.
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.