Career Tools
CTC vs In-Hand Salary Calculator
Paste your offer's CTC and see what actually reaches your bank account: EPF, gratuity, professional tax and both tax regimes computed with exact slab maths.
Your offer
Monthly in-hand
₹94,276
≈ ₹11.31 L/year after tax · lump-sum year-1 cash (bonus + sign-on, taxed): ₹0
- In-hand cash₹11.31 L · 96%
- Income tax₹0 · 0%
- Variable bonus₹0 · 0%
- Employer PF + gratuity₹44,688 · 4%
Where the CTC goes (monthly)
| Fixed pay (basic + HRA + allowances) | ₹12.00 L |
| — Basic | ₹4.80 L |
| — HRA | ₹2.40 L |
| Variable bonus (not guaranteed) | ₹0 |
| Employer PF (your EPFO account, not bank) | −₹21,600 |
| Gratuity provision (paid after 5 years) | −₹23,088 |
| Employee PF (12% of basic, capped) | −₹21,600 |
| Professional tax (₹200/month) | −₹2,400 |
| Income tax + cess (better regime) | ₹0 |
| Monthly in-hand | ₹94,276 |
New vs old tax regime
New regimebetter
Taxable: ₹11.23 L
Tax + 4% cess: ₹0
Old regime
Taxable: ₹11.26 L
Tax + 4% cess: ₹1.56 L
Slabs used: new regime — nil to ₹4L, 5% to ₹8L, 10% to ₹12L, 15% to ₹16L, 20% to ₹20L, 25% to ₹24L, 30% above, with the §87A rebate making taxable income up to ₹12L tax-free. Old regime — 5% / 20% / 30% slabs with the ₹50,000 standard deduction and 80C on employee PF.
Offer-letter traps recruiters won't flag
- Variable pay is not guaranteed — it is tied to company and individual performance ratings, and several companies pay 0–70% of it.
- Gratuity (4.81% of basic) is deducted from your CTC every month but is paid only after 5 years of continuous service (or on resignation after vesting).
- Employer PF is your money but never reaches your monthly account — it accumulates in your EPFO account, which you can check on the UMANG app.
- ESOP grant value inflates CTC on paper but is worth nothing until vested, and is taxed as salary income at exercise, not at grant.
- Insurance premiums (₹5–15 lakh cover) are often quoted inside CTC — ask for the fixed + variable split in writing before comparing offers.
- Notice-period recovery and bond clauses can claw back real money — negotiate a shorter notice if you plan to switch early.