Salary calculators
A CTC figure is not what reaches your bank account. Salary calculators break an offer into basic pay, provident fund, gratuity, professional tax and income tax, so you can compare offers on what you actually take home each month.
Reading on this subject
- CTC versus in-hand salary: where the money goesA line-by-line explanation of why a ₹12 lakh CTC does not mean ₹1 lakh a month, covering PF, gratuity, professional tax and income tax.1 min read
- Old or new tax regime: which one fits youThe new regime has lower rates, the old one has deductions. Here is how to work out which leaves you with more, using your own numbers.1 min read
Frequently asked questions
Why is my in-hand salary lower than CTC divided by 12?
CTC includes amounts you do not receive each month, such as the employer's PF contribution and gratuity, and your own PF, professional tax and income tax are deducted from what remains.
Which tax year do the salary calculators use?
They use the income tax slabs for Tax Year 2026-27 (FY 2026-27). The tax rules are stored separately from the calculator so they can be updated quickly after each Budget.