CTC to in-hand salary calculator

Why it's a range, not one number

The same CTC gives different in-hand pay depending on how it's split: how much is Basic, whether employer PF is worked out on the full Basic or capped, whether gratuity sits inside the CTC, and how much is variable pay. None of that is in the headline number. It's in the salary table of your offer letter.

The four structures

Mostly fixed pay

Basic is 40% of the CTC, employer PF is capped at the statutory wage ceiling, gratuity isn't inside the CTC, and there's no variable pay.

PF on full Basic

Basic is 40% of the CTC, employer PF is 12% of the full Basic, gratuity is inside the CTC, and there's no variable pay.

Higher Basic

Basic is 50% of the CTC, employer PF is 12% of the full Basic, gratuity is inside the CTC, and there's no variable pay.

With variable pay

Basic is 40% of the CTC, employer PF is 12% of the full Basic, gratuity is inside the CTC, and 15% of the CTC is variable pay, which isn't paid monthly.

In every structure, HRA is half of Basic and special allowance is whatever is left of the CTC.

What's counted

• In-hand is the pay that reaches your bank every month: fixed pay minus your PF contribution, professional tax and income tax.
• Income tax uses the FY 2026-27 rules and the cheaper of the new and old regimes, with no deductions, rent or HRA claimed. Claims like these can make the old regime cheaper; the full analyzer takes them into account.
• Not counted: variable pay, bonuses, joining bonuses and equity, which aren't paid monthly, and employer PF and gratuity, which don't reach your bank each month.

Tax rules: Tax year 2026-27, Income-tax Act, 2025, with Finance Act 2026 rates. Last updated 29 September 2026. Engine v2.6.0. Sources

Questions people ask

Is CTC the same as in-hand salary?

No. CTC is what the job costs the employer in a year. It can include employer PF, a gratuity provision, variable pay, a joining bonus and equity, none of which reach your bank each month. In-hand is fixed pay minus your PF, professional tax and income tax. A ₹12 LPA CTC divided by 12 is ₹1,00,000, but its in-hand comes to ₹73,277–₹96,200 a month across the four structures above.

Does CTC include PF?

It can. If the salary table lists the employer's contribution to PF, that amount is inside the CTC, and it goes to your PF account, not your bank. Your own PF contribution is then deducted from your pay as well, which is why PF shows up twice.

Is gratuity included in CTC?

Sometimes. When it is, the yearly provision is usually about 4.81% of Basic, and it isn't paid monthly: under the Payment of Gratuity Act, 1972, gratuity generally becomes payable after five years of continuous service. The “Mostly fixed pay” row above has gratuity outside the CTC; the others have it inside.

Why is my in-hand lower than I expected?

Usually for two reasons at once: parts of the CTC aren't monthly cash (employer PF, gratuity, variable pay), and the cash that is gets reduced by your PF, professional tax and income tax. The rows above show how much each structure keeps at your CTC.

Which tax regime does this use?

Whichever of the new and old regimes is cheaper for FY 2026-27, with no deductions claimed. If you'll claim HRA, 80C or other deductions, the old regime can come out cheaper; the analyzer compares both with your actual claims.

Get the exact figure

Upload your offer letter and CTCtruth reads its salary table, checks every figure against the CTC and works out your in-hand from the real split. Anything the letter doesn't say stays unknown, and becomes a question for HR.

See every CTC from ₹3 to ₹75 LPA in the salary chart

See two offers with the same CTC and very different pay