CTC to in-hand salary (12 / 18 / 25 LPA)

How to do it

1. 1

   Enter your annual CTC

   Use the offer letter figure (e.g. 18 LPA). Pick metro or non-metro if the tool asks — it affects professional tax assumptions.

2. 2

   See the monthly breakup

   Basic, HRA, PF, income tax (New Regime FY 2025-26) and approximate in-hand appear instantly — no spreadsheet.

3. 3

   Compare offers fairly

   Two CTCs can look similar but pay differently after PF and tax. Compare in-hand, not just the headline LPA.

Rough expectations (illustrative)

Exact in-hand depends on your salary structure (basic %, variable, bonuses) and tax. As a ballpark for many fixed-pay structures under the New Regime:

• • Around 12 LPA — often roughly ₹70k–85k / month in-hand (structure-dependent)
• • Around 18 LPA — often roughly ₹1.0L–1.2L / month in-hand
• • Around 25 LPA — often roughly ₹1.4L–1.7L / month in-hand; tax takes a larger share

What CTC includes that you don’t take home

Employer PF, gratuity and sometimes insurance or variable pay sit inside CTC. They matter long-term, but they are not cash in your salary account every month. Always ask for the fixed vs variable split when you negotiate.

Frequently asked questions