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In-hand to CTC calculator

Start with the monthly salary you want. See the annual package that could get you there.

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

CTC → in-hand In-hand → CTC

Your take-home target

Desired monthly in-hand salary · ₹Regular monthly bank credit, excluding annual bonus.

View required CTC ↓

CTC depends on the structure of your offer. Adjust these assumptions to match it.

Salary structureVariable pay, basic salary & employer costs

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 & payroll deductionsProvident fund, gratuity & professional tax

PF arrangementCustom monthly PF · each share ₹Used only for custom PF. Employer and employee shares assumed equal.Gratuity provision inside CTCProfessional tax · annual ₹Enter actual annual professional tax for your state. ₹0 is an unconfirmed assumption.Other payroll deductions · monthly ₹Employee insurance, labour welfare fund, loan repayments, etc. No tax deduction assumed.

Old-regime deductionsRent, investments & eligible deductions

Used only for the old regime. Enter eligible amounts and leave out amounts already counted below.

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 ANNUAL CTC

/ year

One estimated package for your selected salary structure.

Estimated monthly in-hand

Monthly gross

See the annual salary breakdown

Component	Annual amount

Work backwards from your take-home

How is the required CTC estimated?

We run the same salary model as our CTC calculator, searching annual packages between ₹1.2 lakh and ₹1 crore for a monthly take-home close to your target. Results are approximate, rounded to whole rupees, and normally match within ₹2 per month. Tax rounding and rebate thresholds can produce multiple matching packages; this is not a unique or guaranteed minimum offer.

What is included in CTC?

Fixed gross, annual variable pay, employer PF, an optional gratuity provision and your entered employer costs. Employee PF, actual professional tax, other payroll deductions and estimated income tax are then deducted to estimate regular monthly take-home. Variable pay is assumed paid in full separately; its estimated annual tax is spread over 12 months.

Which assumptions should I check?

Defaults: basic salary 50% of fixed gross, HRA 40% of basic, PF 12% of basic for each share, gratuity provision included, no variable pay, employer benefits or professional tax. These are editable assumptions, not universal payroll rules. Enter your actual professional tax and deductions. The old-regime result depends on your eligible deductions.

This model is for full-year resident salaried individuals under 60. It does not infer ESI eligibility, taxable perks, employer NPS, capital gains, other income or mid-year job changes. For ESI, enter confirmed employer costs and employee payroll deductions manually. Actual payroll and eligibility may differ.

Tax basis and sources

The estimate uses our shared FY 2026–27 salary engine, including regime-specific standard deductions, applicable rebates, marginal relief, surcharge and cess. Read the full salary methodology, the Income Tax Department Budget 2026 FAQs and EPFO guidance. This is a planning estimate, not a payslip or tax return.

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