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CTC to In-Hand Calculator

Calculate your actual monthly in-hand salary from CTC. Compare old vs new tax regime.

100% Free — Compare offers before accepting!
Metro City (Delhi, Mumbai, etc.)

CTC never equals take-home salary. Freshers are often shocked when their '6 LPA offer' translates to ₹35,000/month in-hand. Understanding salary structure prevents disappointment.

What This Tool Checks

  • Converts CTC to monthly in-hand salary
  • Breaks down Basic, HRA, PF, and Special Allowances
  • Calculates income tax under old and new regimes
  • Shows EPF contribution (employee and employer)
  • Estimates yearly bonus and variable pay
  • Compares take-home across different CTC offers

Who Should Use This Tool

  • Freshers comparing multiple job offers
  • Students evaluating internship stipends
  • Anyone confused by offer letter salary breakups
  • Job seekers negotiating salary packages
  • Candidates deciding between CTC offers

Common Mistakes to Avoid

  • ✕Assuming CTC = yearly salary in bank
  • ✕Ignoring gratuity and employer PF contributions
  • ✕Forgetting about variable/bonus that may not be guaranteed
  • ✕Not asking companies for salary breakup before accepting

Frequently Asked Questions

For freshers in the 3-8 LPA range, expect 70-80% of CTC as gross salary. After tax and PF deductions, in-hand is typically 60-75% of CTC. Higher CTCs have lower percentages due to more tax.
Higher Basic means higher PF deduction (less in-hand now, more retirement savings) and higher gratuity. More allowances mean higher current take-home. For freshers, higher allowances usually feel better initially.
Old regime offers deductions (80C, HRA, etc.) but higher base rates. New regime has lower rates but no deductions. For freshers with no home loans or major investments, new regime is often better.
Service companies: 3-5 LPA. Product/startup companies: 5-12 LPA. Top-tier companies (Microsoft, Amazon): 15-25 LPA. Your college, skills, and interview performance all affect this.
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