What does your CTC really pay you?
See your estimated monthly take-home, tax, PF, and the parts of your CTC that never reach your bank account.
Estimate from your CTC
Salary Guides & Context
Why is CTC different from Take-Home Salary?
Cost to Company (CTC) is the total expense an employer spends on an employee in a year. However, not all of it reaches your bank account as monthly cash. Your CTC often includes:
- Employer-side contributions: Such as employer Provident Fund (PF) and NPS.
- Gratuity provision: An employer-side amount that may be included in CTC but is not normally paid as monthly cash.
- Variable or one-time compensation: Bonuses or variable pay that may be paid annually or semi-annually based on performance.
Additionally, your final in-hand salary is further reduced by employee deductions (like your share of PF) and income tax.
What Salary Reality India includes
Our calculator helps you understand this breakdown by accounting for relevant items such as:
- Basic pay and standard salary components
- Employee and employer PF contributions
- Professional tax (where supported)
- Gratuity provision and, where applicable, statutory gratuity entitlement
- Variable and one-time pay components
- Income tax (New and Old regimes)
- Employer-side benefits and provisions
Quick Estimate vs Detailed Calculator
Quick Estimate
Designed for a fast approximation with fewer inputs. It uses standard assumptions and defaults, making it useful for an initial, high-level estimate of your take-home pay.
Detailed Calculator
Uses the specific salary and employment information entered by you. It exposes more of the salary structure and provides a more input-specific breakdown of components and taxes.
Which tax year is used?
Currently configured for: FY 2026-27
Indian income-tax rules can change between tax years. The estimates provided by this calculator depend on the rules applicable to the configured tax year.
Learn More
Want to know more about how we calculate these values? Read our Methodology.