Salary CTC Calculator
Convert annual CTC into an indicative monthly salary breakdown using editable deductions.
Salary CTC Calculator
Result
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Why use this tool
CTC and in-hand salary are not the same. This calculator gives an indicative monthly breakdown by separating employer-side benefits included in CTC and subtracting the monthly deductions you enter.
Salary structures differ by employer and employee. PF, gratuity, bonus, insurance, income tax and other components can change actual take-home, so use this as a comparison tool rather than a payroll statement.
How to use
- Enter annual CTC.
- Estimate the percentage of employer-side benefits included in CTC.
- Enter expected monthly employee deductions.
- Calculate estimated monthly gross and indicative take-home.
- Adjust assumptions using your offer-letter salary structure for a closer estimate.
Use cases / examples
- Translate a job offer CTC into a rough monthly figure.
- Compare two offers with different CTC structures.
- Model the effect of deductions on take-home.
- Prepare questions before discussing a compensation breakup with HR.
FAQ
Is CTC the same as gross salary?
Not necessarily. CTC can include employer contributions, benefits, bonus and other costs in addition to gross salary.
Does this calculate Indian income tax?
No. Income tax is not automatically calculated; enter expected deductions based on your situation.
Why can actual in-hand salary differ?
Employer structure, PF, gratuity, bonus, insurance, tax and other deductions vary.
Can I use my offer-letter figures?
Yes. Adjust the benefit percentage and monthly deductions to better reflect the structure you were given.