CTC → in-hand decision workspace
CTC to In-Hand Salary Calculator
Translate headline CTC into estimated recurring cash after employer PF, gratuity, employee PF, professional tax and estimated new-regime income tax. Then use that bank-account view in the offer, negotiation and switch decisions where it actually matters.
Your offer
Tune payroll assumptions
Planning estimate under the current new-regime salary-tax model. Actual payroll can differ because of employer structure, declarations, benefits, insurance, bonus timing, state tax and other deductions.
Monthly in-hand
₹91,877
Annual in-hand
₹11,02,523
Take-home ratio
91.9%
of headline CTC
Gross / year
₹11,40,923
Employee PF / year
₹36,000
Tax + cess / year
₹0
See full salary breakup
Use it for a real decision
What this calculator is trying to answer
- Check whether a 12 LPA, 18 LPA or 25 LPA offer materially improves estimated monthly cash flow rather than only annual CTC.
- See how a PF-on-full-basic policy can reduce in-hand compared with a capped-PF structure.
- Separate employer costs inside CTC from recurring money that is likely to reach your payslip.
- Treat variable pay and one-time bonuses separately from fixed monthly cash before comparing jobs.
- Continue from take-home into full offer comparison, salary negotiation, switch economics and market evidence without creating a second calculator owner.
Worked thinking
A bigger CTC can hide a smaller monthly jump
Suppose your current package is ₹12 lakh and the new offer is ₹15 lakh. The headline increase is 25%, but your bank-account increase can be smaller once tax, PF and variable-pay mix change. Run both structures, compare recurring cash, then check the market and exit costs before deciding whether the switch earns its extra commute, notice period or role risk.
The useful part is not the exact rupee at the end. It is seeing which assumptions move the answer: PF basis, variable pay, gratuity, tax, commute cost, or the salary band for your actual role.
Questions people ask before accepting an offer
Why is in-hand salary lower than CTC?
CTC is the employer's total annual cost, not your bank credit. It can include employer PF, gratuity, variable pay and benefits. Your own PF, professional tax and income tax can reduce the amount that reaches you.
Does Jobiba use the new tax regime?
This planning tool uses the current new-regime salary-tax model and a ₹75,000 standard-deduction assumption. Your actual tax depends on your full income, employer payroll and personal situation; verify payroll and tax rules before relying on the estimate.
Why can two companies offer the same CTC but different in-hand pay?
They may use different basic-pay percentages, PF treatment, gratuity treatment, variable pay, insurance and allowances. The CTC can match while recurring cash does not.
Should I choose the offer with the highest estimated in-hand?
Not automatically. Take-home is one decision input. Compare variable-pay risk, joining or retention terms, recurring work costs, role quality, growth, location and written offer conditions before deciding.
Is this the same as Jobiba's salary market estimate?
No. This calculator converts an offer structure into estimated take-home. Jobiba's market salary pages use salary-bearing job evidence to show what comparable roles are paying. Use both views together.
Keep going
Turn the number into a career decision
In-hand salary for 2 to 50 LPA
Ready answers for every common CTC, with the full breakup under both tax regimes.
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Salary breakup calculator
Audit Basic, HRA, PF, gratuity, tax and allowances line by line before trusting the headline CTC.
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Compare two job offers
Carry the take-home view into a full comparison with variable pay, joining bonus, work costs and career factors.
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Salary negotiation planner
Use role-and-city market evidence to decide whether the number on the table has a defensible gap.
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Job switch planner
Compare current CTC, new offer, estimated in-hand change and market evidence together.
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Exit & switch planner
Model notice, joining and break-even economics before treating a monthly increase as a completed decision.
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Market salary calculator
Compare your salary with Jobiba's P25, median and P75 for a role and location.
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