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Your CTC.
Your take-home.

Understand the offer beyond the headline number.

FY 2026–27 · Salary-only estimate · Resident, under 60

Your annual CTC · ₹Enter the full annual package. Example: 1200000 = ₹12 lakh.

Refine my calculation Salary structure, PF & tax details

Annual variable pay · % of CTCAssumed paid in full, separately from monthly salary.Basic + DA · % of fixed grossEditable salary assumption, not a legal minimum or payroll compliance check.HRA · % of basicOther employer costs within CTC · annual ₹Insurance or other non-cash costs. Excludes PF, gratuity and ESI calculated below; taxable perks are outside this model.PF arrangementCustom monthly PF · each share ₹Used only for custom PF. Employer and employee shares assumed equal.Gratuity provision inside CTCESI coverageProfessional tax locationProfessional tax · annual ₹Default ₹0 is unconfirmed. Enter the amount for your state or select Maharashtra.Maharashtra salary thresholdOther payroll deductions · monthly ₹Employee insurance, labour welfare fund, loan repayments, etc. No tax deduction assumed.

Old-regime details

For resident individuals below 60 with salary income only. Enter only eligible amounts; other income and taxable perquisites are outside this estimate.

Rent paid · monthly ₹HRA cityOther eligible 80C investments · annual ₹Do not include employee PF: it is already counted, within the combined ₹1.5 lakh limit.Other verified old-regime deductions · annual ₹Eligible 80D, additional NPS, etc. Exclude HRA, PF, 80C, professional tax and standard deduction already calculated.

ESTIMATED REGULAR MONTHLY TAKE-HOME

Starting assumptions: basic + DA 50% of fixed gross; HRA 40% of basic; PF 12% of basic for both sides; gratuity included; no bonus, ESI or other benefits. Professional tax starts at ₹0—confirm your state. Refine these to match your offer.

Where your CTC goes

Component	Annual	Monthly equivalent

How the tax is calculated

LOOK BEYOND THE HIKE

Compare another offer

Start with the same assumptions, or adjust the second offer separately.

Offer B · annual CTC ₹

Different structure for offer B?

Offer B variable pay · %Offer B other employer costs · annual ₹Offer B basic + DA · % of fixed gross

Use these separate assumptions for B

Understand your estimate

CTC is not your bank credit

Employer PF, gratuity provisions, employer ESI and non-cash benefits are removed before calculating fixed gross salary. Basic, HRA and remaining allowances together form fixed gross. Gratuity is an estimated CTC provision (15/26 of one month’s basic per year), not cash paid monthly or a guaranteed entitlement.

Bonus and monthly tax

The full variable amount is assumed paid and taxable. Estimated annual tax is spread equally across 12 months, including tax on bonus. Regular monthly take-home excludes the bonus. Actual payroll may deduct bonus tax when the bonus is paid. Annual net cash equals 12 regular monthly amounts plus the assumed bonus; monthly equivalents are not payslip amounts.

Scope and assumptions

Supports ₹1.2 lakh–₹1 crore annual CTC, resident salaried individuals under 60, full-year employment and salary income only. Includes standard deductions, applicable rebates and marginal relief, 4% cess, and surcharge with marginal relief above ₹50 lakh taxable income. HRA exemption and eligible old-regime deductions use your inputs. No capital gains, stock awards, employer NPS, taxable perks, other income, mid-year job changes or special exemptions. The old-regime comparison is incomplete unless you enter your eligible deductions.

Salary components and statutory wage bases cannot be established from CTC alone. PF is an editable offer assumption; we do not infer membership eligibility or a universal contribution cap. ESI is opt-in and assumes fixed gross equals ESI wages, with no variable pay and wages up to ₹21,000/month; special coverage periods need actual payroll figures. Confirm wages, employer costs and deductions with your employer. This is an estimate, not a payslip or tax filing calculation.

Rules and sources

Rules reviewed 15 October 2026. The income-tax estimate uses the FY 2026–27 slab structure and salaried standard deductions of ₹75,000 (new) / ₹50,000 (old). Maharashtra professional tax is modelled from the official published schedule; for other states enter your actual annual amount. Special state exemptions and bonus-month threshold changes are not inferred; enter actual annual professional tax manually if these apply.

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Your CTC.Your take-home.