Practical guide
Calculate take-home pay from CTC with explicit deductions
See how this CTC calculator separates employer costs, user-entered tax, payroll deductions, and monthly take-home pay.
Updated · Sources checked
Start with the CTC breakdown
CTC is not automatically cash paid to you. This CTC to Take-home Calculator uses annual CTC minus employer-only contributions and benefits, your entered annual income-tax estimate, and other payroll deductions. It divides the resulting annual number by 12. Enter only items that belong to those four buckets; do not subtract the same PF or insurance amount twice.
For example, ₹1,800,000 CTC minus ₹120,000 employer costs, ₹240,000 estimated tax, and ₹60,000 deductions gives ₹1,380,000 annual take-home, or ₹115,000 monthly. The tax is deliberately an input. The Income Tax Department is the primary source for the applicable regime, deductions, cess, surcharge, and return rules; this calculator does not select them.
Use the offer’s compensation annexure and a recent payslip to classify each line. Employer contributions reduce the CTC-to-cash bridge; employee deductions and tax reduce cash paid. Variable bonus, reimbursements, joining payments, unpaid leave, and timing of payroll are outside this simple annual model.
FAQ
Why does my payslip not equal CTC divided by 12?
Employer costs and deductions are excluded from cash paid, and variable components may not be paid every month.
Does the calculator compute Indian income tax?
No. It uses the annual tax amount you enter.