CTC to In-Hand Salary Calculator
Instantly decode your offer letter. Strip away corporate deductions and run a head-to-head duel between the Old and New Tax Regimes to maximize your take-home pay.
1. Salary Architecture
If checked, EPF is capped at ₹1,800/month. If unchecked, 12% is deducted from your full basic pay.
Crucial for calculating your HRA exemption under the Old Tax Regime.
2. Old Regime Tax Savings (Optional)
Note: We automatically calculate and add your Employee PF to your 80C limit (₹1.5L max).
You save ₹1,40,568 in taxes per year.
Annual Salary Breakdown
The Corporate Illusion: What is CTC?
Never negotiate a job offer based on the CTC. CTC (Cost to Company) is a corporate budgeting metric, not an employee salary metric. It includes money you will not see in your bank account for decades (like Employer PF), or money you may never see at all (like Gratuity, if you leave before 5 years). Always negotiate your "Fixed Gross Salary."
The Ultimate Choice: Old vs. New Tax Regime
The government has made the New Tax Regime the default. It offers a massive ₹75,000 standard deduction and makes income up to ₹12 Lakhs effectively tax-free. However, it strips away your right to claim HRA, LTA, and 80C deductions.
If you pay high rent in a Metro city and aggressively invest in ELSS/PPF, the Old Regime can still mathematically defeat the New Regime at higher income brackets. Use our toggle above to simulate your exact savings.
Want to Master Salary Negotiation?
Read our deep-dive guide to understand the complete breakdown of CTC vs In-Hand Salary and how to legally minimize your tax burden.
Read the CTC Master GuideActuarial & System Assumptions
This simulation engine is provided for illustrative, educational, and strategic planning purposes only. It does not constitute a financial contract, legal guarantee, or fiduciary advice.
Calculations rely on deterministic inputs and compounded mathematical growth models. Real-world inflation, sequence of returns, market volatility, and asset degradation will cause actual results to deviate.
Tax brackets, government subsidies (e.g., PM Surya Ghar), and statutory interest rates are subject to continuous legislative amendments. This engine does not guarantee real-time legal compliance.
Rupee Logics is a mathematical simulator, not a SEBI-registered entity. Users are strictly advised to verify all capital allocations and liability assumptions with certified financial professionals.