Calculate

CTC From In-Hand Calculator

Type the monthly pay you want. See the CTC to ask for, and what it is made of.

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  • FY 2026-27 rules
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I know

Sixty thousand

50% · ₹33,632 a month
None
More optionsPF, HRA, gratuity, NPS

Your PF is worked out on

The CTC to ask for

₹8,07,163

A CTC of 8.07 lakh gives you ₹60,000 a month in your bank, with the choices on the left.

  • Your minimum₹8,07,1638.07 lakh · ₹60,000 a month
  • A round number to ask for₹8,25,0008.25 lakh · ₹61,450 a month

This assumes no variable pay: all of the CTC is fixed pay, paid every month.

  1. Gross pay₹63,200
  2. Your PF₹3,000
  3. Prof. tax₹200
  4. Income tax₹0
  5. In your bank₹60,000
Open in the CTC calculator

Where Your ₹8,07,163 Goes

Adds up to your CTC

Breakup of a ₹8,07,163 CTC
Part of your CTCA monthA yearShareTaxable?
Paid to you every month₹63,200 a month · 94% of your CTC
Basic SalaryThe fixed base of your pay. PF, HRA and gratuity are all worked out from it.Tax: Taxable.On your payslip it may sayBasicBasic payBasic salaryThe base of your payTaxable₹33,632₹4,03,58450%Taxable
HRAAn allowance towards rent. In the old tax regime part of it is tax-free if you pay rent; in the new regime all of it is taxed.Tax: Part tax-free in the old regime, if you pay rent.On your payslip it may sayHRAHouse rent allowanceHouse rent allowancePart tax-free₹16,816₹2,01,79225%Part tax-free
Special AllowanceWhat is left of your fixed pay after every other part. Employers use it to make the parts add up to the CTC.Tax: Taxable.On your payslip it may saySpecial allowanceOther allowanceFlexi payBalances the rest of your CTCTaxable₹12,752₹1,53,02419%Taxable
Set aside for you₹4,064 a month · 6% of your CTC
Employer PFYour employer’s 12% towards your provident fund. It is inside your CTC but goes to your PF account, not your bank.Tax: Tax-free while your employer’s PF and NPS together stay under ₹7.5L a year.On your payslip it may sayEmployer PFER PFEmployer contribution to PFYour employer’s 12%, saved for youPart tax-free₹2,447₹29,3603.6%Part tax-free
GratuityA lump sum your employer owes you after five years in the job. It builds up inside your CTC every year, and you get it when you leave.Tax: Not taxed while it builds up.On your payslip it may sayGratuityGratuity provisionPaid when you leave, after 5 yearsNot taxed₹1,617₹19,4032.4%Not taxed
Total CTC₹67,264₹8,07,163100%

Fits the 2026 labour codes. Your basic is 50% of fixed pay, and the floor is 50%.

  • FY 2026-27
  • Bengaluru
  • Basic 50%
  • PF capped at ₹3,000
  • New regime
Free blank Excel template

01 The working

How The CTC Is Worked Out From In-Hand

Start from what you want in your bank. Add what comes off your pay, make it a year, then add what your employer sets aside. That total is the CTC.

  1. You want in your bank

    ₹60,000

    every month

  2. Add what comes off your pay

    ₹63,200

    gross pay a month

    • Your PF₹3,000
    • Professional tax₹200
    • Income tax₹0

  3. Make it a year

    ₹7,58,400

    gross pay a year

    • ₹63,200 × 12₹7,58,400

  4. Add what your employer sets aside

    ₹8,07,163

    the CTC to ask for

    • Employer PF₹29,360
    • Gratuity₹19,403

This is ₹60,000 a month in hand, with the usual choices. Try your own ↑

How to calculate CTC from in-hand salary: the full guide →

Read the full explanation

Going from CTC to in-hand takes things away: employer PF and gratuity first, then your own PF, professional tax and income tax. Going from in-hand to CTC puts them back, in the opposite order.

The hard part is income tax, because the tax depends on the very salary you are looking for. The calculator does not guess: it tries CTCs until it finds the smallest one whose in-hand pay reaches your figure, using the same rules as the in-hand salary calculator. That is why the answer matches what the forward calculator would show for the same CTC.

Anything you change under "More options" changes the answer: the share of basic, PF on the ceiling or on full basic, NPS, and whether employer PF and gratuity sit inside the CTC.

02 By monthly pay

The CTC For Common Monthly Pay

To take home ₹50,000 a month you need a CTC of about ₹6,84,208. For ₹1,00,000, about ₹12,98,985.

Tap a row to try it above

Read the full explanation

These use the calculator's usual choices: basic at 50% of fixed pay, PF on the wage ceiling, Bengaluru, no variable pay, and the cheaper of the two tax regimes. The CTC grows faster than the monthly pay: as pay rises, income tax takes a larger share, and your employer's PF and gratuity grow with your salary.

03 Before you ask

Three Things To Know Before You Ask

A CTC is only half of an offer. How it is split decides what reaches your bank.

  • Say a CTC, not an in-hand figure

    ₹8,25,000

    Offers are written in CTC. A round figure just above your minimum gives you ₹61,450 a month.

  • Ask what share is variable

    −₹6,710

    a month if 10% of 8.25 lakh is paid as variable pay instead of fixed. Variable pay comes once a year.

  • Ask for a basic of 50% or more

    ₹496

    a month is what a 35% basic costs you under the labour codes, because gratuity is worked out on a larger wage.

04 Questions

Questions About CTC From In-Hand

How do I calculate CTC from in-hand salary?

Work backwards. Add your PF, professional tax and income tax to your in-hand pay to get your gross pay for the month. Multiply by 12, then add what your employer sets aside inside the CTC: its PF share, gratuity and any variable pay. For ₹60,000 a month in hand, that comes to a CTC of about ₹8,07,163. The calculator above does the same working for any figure.

What CTC do I need for ₹50,000 a month in hand?

About ₹6,84,208 a year (6.84 lakh), with the calculator's usual choices: basic at 50% of fixed pay, PF on the wage ceiling, Bengaluru, no variable pay and the cheaper tax regime.

What CTC do I need for ₹1,00,000 a month in hand?

About ₹12,98,985 a year (12.99 lakh), with the same usual choices. At this pay income tax is a large part of what comes off, so the CTC grows faster than the monthly pay does.

Is in-hand salary always a fixed share of CTC?

No. At ₹60,000 a month in hand you keep about 89% of an 8.07 lakh CTC over the year, but the share falls as pay rises, because tax takes more and employer PF and gratuity grow with the salary.

Does variable pay change the CTC I should ask for?

Yes. Variable pay is paid once a year, so it does not help the monthly figure. If 20% of the CTC is variable, you need ₹10,08,954 to take home ₹60,000 a month, against ₹8,07,163 with none.

Does the city change the CTC I need?

A little. Professional tax depends on the state. For ₹60,000 a month, Bengaluru needs ₹8,07,163 and Delhi, which charges no professional tax, needs ₹8,04,704.

Can I work back from my gross pay instead?

Yes. Choose "My gross pay" above and enter the gross pay on your payslip. A gross pay of ₹80,000 a month, for example, comes from a CTC of about ₹10,13,729.

Sources

  1. Labour Ministry FAQs on the labour codes (SCC Online) (opens in a new tab)
  2. Ministry FAQs, April 2026 summary (SCC Online) (opens in a new tab)
  3. Text of the notification (staffnews.in) (opens in a new tab)
  4. Alert: new EPF ceiling (BDO) (opens in a new tab)
  5. Budget 2026: PF rule clean-up (CA Alley) (opens in a new tab)
  6. Section 80CCD(2) in the new regime (TaxBuddy) (opens in a new tab)
  7. Section 80CCD guide (TaxClue) (opens in a new tab)

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