In-hand to CTC

0 uploads — runs entirely in your browser, works offline

Source: Standard India CTC/statutory rates — pending review · verified 2026-07-25. Estimate with a standard CTC structure (Basic 40%, HRA 50% of Basic, PF 12%), pending HR/CA review (U7). Your actual structure and deductions may differ.

In-hand to CTC — work backwards from take-home

Enter the monthly in-hand you want and estimate the CTC that delivers it. It calculates entirely in your browser (0 uploads, works offline).

How to use it

  1. Enter the monthly in-hand you want.
  2. See the estimated annual CTC.
  3. Copy or Download the result.

FAQ

How do I find the CTC for a target take-home, for free?

Enter your desired monthly in-hand and this page solves for the CTC whose computed take-home matches it, using the same standard structure as the CTC-to-in-hand tool — on your device with no upload.

Why is the CTC much higher than my in-hand × 12?

Because CTC bundles the employer's contributions and your deductions on top of take-home. The gap is normal; the tool quantifies it for negotiation.

Is my data uploaded anywhere?

No. Everything runs in your browser and nothing is transmitted or stored, which you can verify by turning off your Wi-Fi.

How accurate is it?

It is an estimate that inverts a standard structure, so it lands close to a typical offer. Real numbers depend on the employer's exact components.

Limits

Estimates from a standard structure and the new tax regime; actual offers vary. Pending HR/CA review (U7).

Related

The CTC to in-hand tool goes the other way; the income tax calculator estimates the tax.

Bookmark this page (Ctrl+D, or ⌘D on Mac) or install the app — it works offline the next time you need it.