Salary
Turn your CTC into a realistic monthly take-home with a full deduction breakdown, or compare two offers across cities. Tax modelled on FY 2026-27 new regime.
Rates for FY 2026-27Last reviewed June 28, 2026How we calculate
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Reviewed by
Compensation and Payroll Review Desk (Upaman)
Last reviewed
June 28, 2026
Content update
Auto-updated on Jun 28, 2026
Scope: Salary outputs are planning estimates based on modeled structure, deduction assumptions, and city normalization.
Primary references
Last reviewed: June 28, 2026
This calculator provides planning estimates based on the assumptions shown on this page.
Salary decisions are among the highest-impact financial choices for most professionals, especially during job switches. A useful CTC to in-hand salary calculator should do more than just one net number. It should show deduction components, monthly cash flow impact, and salary-comparison context. This page is structured for that decision workflow.
Use it to estimate take-home from annual CTC, compare offers across city contexts, and review how deduction assumptions influence your real monthly spending capacity.
Walk through the default: ₹12,00,000 CTC in a metro with the standard 12% PF setup. The model splits that into ₹5,40,000 basic, ₹2,70,000 HRA, and ₹2,99,226 special allowance, with the employer’s PF match and gratuity provision absorbing the rest of the CTC. Deductions from gross are modest at this level — ₹64,800 of employee PF and ₹2,500 professional tax, with income tax at zero thanks to the new-regime rebate — leaving about ₹86,827 a month in hand, an 86.8% take-home ratio.
Step the same structure up and watch tax take over: ₹15 lakh CTC yields roughly ₹1,05,940 a month (84.8% of CTC) with ₹31,754 of annual income tax, while ₹20 lakh yields about ₹1,33,312 a month (80.0%) with ₹1,38,468 of tax. The pattern is worth internalizing before any negotiation: each additional lakh of CTC delivers progressively less than the last one to your bank account, so a raise quoted in CTC terms always sounds bigger than it spends.
The model uses component-split estimation for basic, HRA, and allowances, then applies deduction roll-up (PF, tax assumptions, and selected statutory fields) to estimate net annual and monthly salary. Offer comparison mode additionally normalizes outcomes using city cost multipliers for practical purchasing-power context.
The split assumptions are deliberately typical rather than universal: basic is modeled at 45% of CTC, HRA at half of basic, employee PF at your chosen percentage of basic (matched by the employer inside CTC), and the gratuity provision at 4.81% of basic — the standard actuarial rate payroll teams use. Income tax is computed on the FY 2026-27 new regime through the same engine as the income-tax calculator, including the standard deduction, rebate, and cess. If your offer letter shows a different basic percentage or a flexible-benefits bucket, expect your payslip to differ from this estimate in the same direction — the structure, not the arithmetic, is where real offers diverge.
Enter your annual CTC and review monthly take-home after modeled deductions. Use city and PF settings to approximate your specific payroll context. Under this model’s default metro structure, ₹15 lakh CTC works out to about ₹1,05,940 a month in hand and ₹20 lakh to about ₹1,33,312.
Progressive tax. At ₹12 lakh CTC the model shows an 86.8% take-home ratio because income tax is zero after the new-regime rebate; at ₹15 lakh it is 84.8%, and at ₹20 lakh it is 80.0% as slab tax scales up. PF and professional tax grow roughly in proportion to salary, so the widening gap is almost entirely tax.
Into employer-side contributions that are part of CTC but not part of gross salary: the employer’s PF match and the gratuity provision. On ₹12 lakh CTC the model books about ₹90,774 a year there. It is not money lost — PF compounds in your name and gratuity pays out after qualifying service — but it explains most of the standing gap between CTC ÷ 12 and your payslip.
After the component split, employee PF, and the new-regime standard deduction, taxable income lands in the Section 87A rebate zone for FY 2026-27, so computed tax is cancelled in full. The deductions you still see at that level are PF and professional tax, not income tax. See the linked guide on ₹12 lakh salary for the full walkthrough.
Actual payroll depends on employer structure, allowance policy, tax declarations, and state-specific deductions. Treat outputs as planning estimates.
Yes. Use the comparison tab to evaluate nominal and cost-adjusted salary difference between two offers and city contexts.
Enter your CTC
Type your total annual cost-to-company.
Adjust the components
Set basic pay, allowances, and statutory deductions as needed.
Review your in-hand pay
See your estimated monthly and annual take-home salary.