CTC → In-Hand Calculator

Accurate salary breakdowns, regime comparison, and deduction planning for Indian professionals.

Annual package

CTC (₹)

PF contribution

Capped PF = higher take-home, lower retirement corpus

Salary structure

Basic below 40% — reduces PF and gratuity payout.

Deductions

City

Monthly rent (₹)

80C (₹/yr) cap ₹1.5L

PF auto-included. Add ELSS, PPF, LIC etc.

80D health insurance (₹/yr)

80E education loan interest (₹/yr)

No upper limit on deduction

24(b) home loan interest (₹/yr) cap ₹2L

NPS 80CCD(2) employer (₹/yr)

Works in both regimes

Professional tax (₹/mo)

₹200/mo in most states

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City offer comparison

Compare up to 4 offers across Mumbai, Bengaluru, Hyderabad, Pune — adjusted for rent, cost of living, and taxes. Coming soon!

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