FinMeetra
CTC to In-Hand Salary Calculator
Convert annual CTC into a realistic monthly bank salary after variable pay, PF, tax and employer-side benefits
AY 2026–27 | WordPress Stable
Enter the values available in your offer letter. The calculator uses a conservative salary-structure estimate when a component is not separately provided. No external chart or Excel library is used.
Main Salary Inputs
Total annual package stated in the offer letter, including employer-side benefits and target variable pay.
PF, Benefits and Deductions
Advanced Tax Inputs
Actual Payslip and Current Salary Comparison
Estimated Normal-Month Take-Home
₹0
After employee PF, tax, professional tax and other monthly deductions
Average Monthly Take-Home
₹0
Includes expected variable payout
Annual Bank Salary
₹0
Estimated total cash after deductions
Estimated Annual Tax
₹0
Lower-tax regime
CTC Reaching Bank
0%
Net annual cash ÷ annual CTC
Fixed Gross Salary
₹0
Annual guaranteed gross cash
Expected Variable Pay
₹0
Based on expected payout percentage
Total Employee PF
₹0
Annual payroll deduction
Offer Quality Score
0/100
Fixed cash, variable risk and conversion
Enter your offer-letter details to see where the CTC goes and how much may reach your bank.
Where Your Annual CTC Goes
Monthly Salary-Slip Estimate
Old vs New Tax Regime
Annual CTC-to-Cash Bridge
FinMeetra Recommendations
Download Your Salary Estimate
Use PDF for a clean visual report or CSV for Microsoft Excel and Google Sheets. No external spreadsheet library is loaded.
Disclaimer: This calculator provides an educational estimate. Actual payroll can differ because of company salary structure, PF policy, tax declarations, variable-pay timing, unpaid leave, perquisites, professional tax, payroll rounding, exemptions, surcharge, marginal relief and later legal changes. AY 2026–27 new-regime slabs, standard deduction and rebate are used for the tax estimate. Verify the final amount using the offer letter, payslip, Form 16 and official rules.
