CTCtruthv2.6.0

Analyze an offer

Enter the numbers from your offer, or read them from the letter. Anything you leave blank stays unknown and is never guessed.

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Try a sample:
Offer completeness 98%
Medium confidence

Offer details

Sample
₹16.00 lakh a year

Fixed salary Blank means unknown. 0 means none.

Sample
40% of CTC
Sample
50% of Basic
Sample
As stated.
Sample
Other fixed allowances paid with your salary. Taxed as pay.
Sample
Claimable against bills. Counted as taxable pay, as if no bills are claimed.

Employer contributions inside the CTC

Gratuity provision (15 × Basic ÷ 26 ÷ 12)₹30,769 a year

Variable pay Sample

Assumed 75% payout

Joining bonus Sample

Equity Sample

Year-1 vest (paper value, not cash)₹1,00,000 (25%)

Tax and location

Tax year 2026–27
Rules and sources
Sample

Old-regime deductions

Leave a box blank if you don't know it yet. Enter 0 only if you'll claim nothing.

Monthly take-home, recurring Derived
₹84,436a month

₹10,13,231 a year under the new tax regime. Bonuses and equity not included.

Share of CTC

Recurring fixed cash
68.3%
Take-home
63.3%
Variable
11.3%
Year-1 equity
6.3%
Headline CTC₹16.00L
Fixed cash₹10.92L
Target variable₹1.80L
PF + gratuity₹1.08L
Year-1 equity (paper)₹1.00L

Does the CTC add up? Adds up

All components known; declared components sum to headline CTC.

The new regime costs less tax

About ₹49,739 a year less than the old regime, on what you've entered.

New regime ₹0Old regime ₹49,739Tax confidence: high

What the CTC is made of

Every rupee of the headline figure, component by component.

Headline CTC
₹16,00,000
Basic + HRA
₹9,60,000
Special allowance
₹1,32,431
Employer PF
₹76,800
Gratuity provision
₹30,769
Target variable
₹1,80,000
Joining bonus
₹1,20,000
Equity
₹1,00,000
Not explained by any component
₹0

From fixed pay to your bank

What lands each month, before bonuses.

Recurring fixed cash (year)
₹10,92,431
Your PF contribution
−₹76,800
Professional tax
−₹2,400
Income tax
₹0
Take-home
₹84,436 / mo
Year-1 cash incl. bonuses
₹11,94,531
Year-1 equity, kept separate
₹1,00,000 Paper

Things to check before you sign

4 to review

Gratuity Provision Included in CTC

Retirals, sample data

What the data shows. Gratuity is marked as included in the CTC. The annual provision of ₹30,769 is derived as 15 × Basic ÷ 26 ÷ 12; it is not paid as monthly cash.

In general. Under the Payment of Gratuity Act, 1972, gratuity generally becomes payable after five years of continuous service (with statutory exceptions). How a provision shown in CTC is treated on an earlier exit depends on the employer's policy.

Ask HR: How is the gratuity provision shown in the CTC treated if I leave before completing five years?

Possible question: "Would the company consider showing gratuity outside the CTC figure, or reallocating it to fixed pay?"

Review Joining-Bonus Clawback Terms

Needs review, sample data

What the data shows. A joining bonus of ₹1,20,000 with a 12-month clawback window has been entered. Whether repayment is prorated, and whether it is gross or net of TDS, is not confirmed.

Ask HR: Is the joining bonus clawback prorated by months served, and is repayment calculated on the gross or the post-TDS amount?

Possible question: "Would the company consider a prorated clawback, reducing each month served?"

Equity Grant: Paper Value Subject to Plan Terms

Equity, sample data

What the data shows. Equity grant of ₹4,00,000 is paper value, not cash. Vesting schedule: Equal 4 Years (25%/yr) (sample data).

In general. Cliffs, exercise windows, exercise price and liquidity vary by plan. None of these are confirmed unless stated in your grant documents.

Ask HR: What is the vesting schedule, is there a cliff, and what is the post-termination exercise window for vested options?

Possible question: "Would the company consider a longer post-exit exercise window?"

Employer PF Contribution Inside CTC

Retirals, sample data

What the data shows. Employer PF of ₹76,800/year is inside the CTC (derived: 12% × Basic Salary). It is retirement savings, not monthly cash.

Ask HR: Is PF computed on full Basic or on the statutory wage ceiling (₹15,000/month), and can employees choose?

How these numbers were worked out

Rules, assumptions, unknowns and document evidence. Confidence: medium, 98% complete

  • Tax rules for FY2026-27 (Tax year 2026-27), confirmed. Standard deduction ₹75,000 (new) and ₹50,000 (old).
  • Section 87A: no new-regime tax up to ₹12,00,000 of taxable income, with marginal relief just above it.
  • One regime for everything: new is used for take-home, variable pay and the joining bonus. Compare Both: New Regime has lower estimated tax.
  • Your PF contribution: ₹6,400 a month (12% × Basic Salary).
  • Professional tax in Bengaluru: ₹2,400 a year.
  • Special allowance: ₹1,32,431 (declared).
  • Take-home excludes variable pay, the joining bonus and equity. Equity is paper value; turning it into cash isn't guaranteed.
  • Living and maintenance costs use Bengaluru sample figures (₹21,500 a month living).
  • Assumption: Variable payout assumed at 75% of target (scenario assumption).

Why confidence is medium

  • Values come from an illustrative BENCHMARK template, not your offer

What counts toward completeness

  • Headline CTC (critical)
  • Basic salary (critical)
  • Employer PF inclusion (critical)
  • PF contribution basis (critical)
  • Variable pay inclusion (critical)
  • Joining bonus inclusion (critical)
  • Equity inclusion (critical)
  • Tax year (critical)
  • Tax regime / data (critical)
  • HRA (important)
  • Variable pay amount (important)
  • Monthly rent (important)
  • Old-regime deductions (important)
  • Gratuity inclusion (important)
  • Vesting schedule (important)
  • Equity valuation basis (important)
  • Maintenance & living costs (optional, city benchmark used)
  • Company / role metadata (optional)