Business
CTC to Take-Home Salary Calculator (India)
Turn an annual CTC into the full salary structure and the monthly in-hand: Basic, HRA, allowances, employer PF, gratuity, ESI, professional tax by state, and income tax under both the new and the old regime side by side — with a reverse mode that finds the CTC for the take-home you want. Runs in your browser; nothing is uploaded.
Privacy
Your file never leaves your device. It is read and converted by your own browser, so nothing is uploaded, queued or logged — which is what makes this safe for a client’s books.
Tips
- Basic is usually 40–50% of CTC. Push it lower and the take-home rises today (less PF) while gratuity, PF and HRA exemption all shrink; push it higher and the reverse happens. Change the Basic % and watch every figure move.
- The tax slabs, the standard deduction, the 87A rebate and the professional tax tables are written in one clearly-marked constant at the top of this file, labelled with the financial year and the date they were last checked. Rates change with every Budget and some state PT tables change in between — check them against the current Finance Act before you rely on a rupee figure.
- Professional tax is a state tax and the slabs here are the common ones. Maharashtra exempts women below a higher wage, Tamil Nadu charges half-yearly through the local body, and several states (Delhi, Haryana, Uttar Pradesh, Rajasthan) do not levy it at all — pick "No professional tax" for those.
- ESI only applies while monthly gross wages are Rs 21,000 or less, and once an employee crosses that inside a contribution period they stay in until the period ends. This shows the steady state, not that run-out.
- Reverse mode solves by trying CTCs and narrowing — it does not invert the formula — so it respects every rule above, including the slab you happen to land in and the 87A rebate cliff. It reports the CTC to the nearest rupee that produces your target take-home.
- The in-hand figure excludes the annual bonus or variable pay, because that is not paid monthly. It is included in the taxable income, so the TDS spread over twelve months already carries it.
Frequently asked questions
Which financial year are these slabs for?
The tax constant is labelled FY 2026-27 (AY 2027-28) and carries the date it was last checked. It uses the new-regime slabs and the Rs 75,000 standard deduction and Rs 60,000 rebate introduced by the Finance Act 2025, and the long-standing old-regime slabs with a Rs 50,000 standard deduction. If a later Budget changed anything, this will be wrong until the constant is updated — so verify against the current Finance Act. The figures here are an estimate for planning, not a tax computation.
Why is my in-hand lower than a simple CTC divided by twelve?
Because CTC is the employer’s cost, not your pay. Gratuity accrual, the employer’s PF and ESI, and any bonus never reach your monthly bank credit. Then your own PF, ESI, professional tax and TDS come out of what is left. The breakup shows every rupee of the gap.
Does it handle the old regime properly?
It computes the HRA exemption as the least of actual HRA, rent paid less 10% of Basic+DA, and 50% (metro) or 40% (non-metro) of Basic+DA; deducts the Rs 50,000 standard deduction, professional tax paid, 80C (capped at Rs 1,50,000, optionally counting your own PF), 80D and anything else you enter; then applies the slabs for your age band, the Rs 12,500 rebate below Rs 5,00,000, surcharge with marginal relief and 4% cess.
Is any of this sent anywhere?
No. Every figure is computed in your browser and the spreadsheet is written there too. Salary is the most sensitive number most people have; it never leaves the device.
Can I use this to negotiate an offer?
That is what it is for. Run the offered CTC, then run reverse mode with the take-home you need and see what CTC that asks for. The annexure table is laid out the way an offer letter annexure is, so you can compare it line by line with what HR sends.