Why doesn't this match my actual payslip?

Take-home depends on company structure, regime (old/new), HRA exemption, and other deductions. This is a planning estimate, not a payroll calculation.

Calculators Tool

CTC to In-Hand Salary Calculator 2026

Calculate monthly in-hand salary from annual CTC for Indian salary offers, including PF, gratuity, variable pay, and tax estimates.

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Annual CTC₹15,00,000

Variable / bonus component (% of CTC)10%

Basic salary (% of fixed)50%

Employer PF is part of CTC

Estimated take-home (monthly)

₹98,773

Estimated take-home (annual)

₹11,85,280

Breakdown (annual)

Fixed component₹13,50,000

Variable / bonus₹1,50,000

Basic salary₹6,75,000

HRA (40% of basic)₹2,70,000

Employer PF₹21,600

Gratuity₹32,452

Income tax (new regime, estimated)₹89,068

Note: Estimates only — actual take-home depends on your company's exact structure, your regime choice (old vs new), HRA exemption, and 80C/80D deductions.

How it works