Is CTC the same as in-hand salary?

No. CTC includes employer costs and components that may not be paid monthly. In-hand salary is the amount received after deductions.

Does this calculator store salary data?

No. The calculation runs in your browser.

CTC to In-Hand Calculator

Break CTC into fixed pay, variable pay, PF, tax, gratuity, and deductions before comparing offers.

How this is calculated

Annual gross is fixed pay plus variable pay.
Monthly gross is fixed pay divided by 12.
Income tax is estimated automatically using the current new-regime slabs, standard deduction, rebate, and 4% cess.
Payroll can vary by employer, so treat this as a planning estimate.

What is non-cash CTC?

Employer PF and gratuity are often part of CTC but may not increase monthly take-home pay.

Should I include variable pay?

Include it to understand dependency, but compare guaranteed cash separately.