Free tool

CTC to in-hand salary calculator

A 20 lakh CTC is not 20 lakh in your hand. Enter a yearly CTC to see what reaches your bank each month after provident fund, professional tax and income tax. Add a second offer to see which one leaves you more.

What you type stays in your browser. It isn't sent to us or saved. This is our estimate for a salaried employee in India, not tax advice: your payslip is what counts.

Offer AYearly CTC (in lakh)Variable pay or bonus inside the CTC, per year (in lakh)

Adjust the assumptions

Basic pay as a share of CTC (%)Provident fund is worked out onThe employer's PF share is inside the CTCOther benefits inside the CTC that are never paid as salary, per year (in lakh)Professional tax per year (₹)

Enter a CTC to see the monthly in-hand pay.

Offer B (optional)Yearly CTC (in lakh)Variable pay or bonus inside the CTC, per year (in lakh)

Adjust the assumptions

Enter a CTC to see the monthly in-hand pay.

The other way round: what CTC do I need?

Enter the monthly in-hand pay you want and see the yearly CTC that leaves it, with the assumptions set above.

Monthly in-hand pay you want (₹)

In-hand salary for common CTCs

Leaving a job? Work out your gratuity.

How this is worked out

Income tax uses the new tax regime (section 115BAC) slabs published by the Income Tax Department for FY 2025-26 (AY 2026-27), a standard deduction of ₹75,000, the section 87A rebate (no tax up to ₹12,00,000 of taxable income, with relief just above it) and 4% cess. News coverage of the 2026 Budget reports no change to the slabs for the next year, but this page has not been checked against an official notice for it.
Provident fund is 12% of the PF wage, which is usually capped at 15,000 a month. Your offer letter says if yours is on the full basic. The employer's matching share is taken out of the CTC first.
Variable pay is shown separately, because it is paid once a year: the extra tax it causes is taken from it, not from your monthly salary.
Not included: HRA and other old-regime deductions, employer NPS, taxable income above 50 lakh (a surcharge applies), income from elsewhere, and insurance or other payroll deductions. Professional tax differs by state, so adjust it if yours is not 2,400 a year.