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Indian CTC to In-Hand Calculator

Get a realistic estimate of your monthly in-hand salary based on the company, CTC structure and current Indian tax rules (AY 2026-27).

Your Offer (CTC)

₹12,00,000

Company

Variable Pay

We will estimate the variable pay based on standard industry practices.

Estimated Monthly In-Hand

₹75,509

Fixed cash after all taxes and deductions

low Confidence EstimateNo company provided. Using generic Indian corporate fallback estimates.

Fixed Monthly Gross

₹83,949

Est. Monthly Deductions

₹8,441

Expected Annual Variable

₹1,20,000

Est. Annual In-Hand

₹10,14,102

CTC Breakdown

CTC: ₹12,00,000

├─ Fixed Cash₹10,07,391

├─ Variable₹1,20,000

├─ Employer PF₹51,840

├─ Gratuity₹20,769

├─ Benefits₹0

└─ Equity₹0

Fixed Cash Structure

Basic Salary₹4,02,956

HRA₹2,01,478

Special Allowance₹4,02,956

Monthly Deductions

Income Tax (Est)₹3,921

Employee PF₹4,320

Professional Tax₹200

CTC Allocation

Monthly Deductions

Disclaimer: Your CTC is not the same as your monthly cash salary. Variable pay is shown separately and may depend on performance. The calculations above are realistic estimates for AY 2026-27, not exact payslip replications.