Convert annual CTC to monthly in-hand take-home for both old and new TDS regimes. Includes employee PF, ESIC where applicable, professional tax, and TDS.
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CTC includes employer PF, gratuity provision, and other employer-borne costs that the employee never sees. Gross is what the employee earns before deductions. In-hand is what lands in the bank account.
Confusing the three is the most common new-joiner disappointment. Always quote both CTC and expected in-hand at the offer stage.
Four standard deductions: employee PF (12% of basic, capped at the wage ceiling), ESIC where wage is below the threshold, professional tax (state-specific), and TDS based on the regime preference.
ESIC applies only if monthly gross is at or below ₹21,000. Above that threshold, ESIC drops out of the deduction list.
The old regime allows HRA, 80C, 80D, and NPS deductions, which can lower TDS for employees with significant deductions. The new regime has lower slab rates but disallows these deductions.
For low-deduction profiles, new regime gives higher in-hand. For high-deduction profiles, old regime does. The regime comparison tool shows the breakeven.
CTC includes employer-borne costs (employer PF, gratuity provision) and is computed before deductions (employee PF, ESIC, PT, TDS). The gap between CTC and in-hand is typically 20-30% for mid-market roles.
No. ESIC applies only to employees whose monthly gross is at or below ₹21,000. Above that threshold, ESIC contributions are not deducted.
It uses the FY 2025-26 slabs and the deductions you input. The actual TDS deducted by your employer may vary based on declarations made during the year (Form 12BB).
Variable pay is best treated separately since it does not deduct PF until paid out. The fixed component flows through this calculator; variable pay is calculated when actually paid.
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