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Salary & HRpayrollIndia only

In-Hand to CTC Calculator

The CTC to negotiate for a target take-home. The relationship is not a fixed multiple: tax is progressive, so the gap widens as the package grows.

Also called: reverse salary calculator, take home to ctc.

₹
%
Tax regime
Financial year
CTC you need to ask for
₹12,71,000

A CTC of about ₹12,71,000 produces ₹1,00,079 a month in hand. The package has to be 1.06x the take-home you want, because ₹70,054 a year goes to provident fund, gratuity and tax.

In hand that produces
₹1,00,079
Annual in hand
₹12,00,946
Annual gap from CTC
₹70,054
CTC as a multiple of take-home
1.06
How this is calculated

Computed from the published rates for the tax year you selected, which is not necessarily the current year. A calculation, not tax advice, and it does not know anything about your circumstances beyond the figures entered.

Method and background

This is what the calculation gives for the numbers you entered. It is an estimate, not advice, and it knows nothing about your situation beyond those numbers. Rules for India change on a published schedule; the effective date is shown on every rule-based tool.

How this is calculated

There is no closed form, because income tax is progressive and provident fund is capped, so in-hand is a piecewise function of CTC rather than a proportion of it. This searches for the package whose take-home matches your target, which is exact to the rupee and obviously correct in a way a rule of thumb is not.

solve for the CTC whose in-hand equals your target; the relationship is monotonic but not linear
target
Monthly take-home you want (currency)
CTC
The package that produces it (currency)

Worked examples

Each of these is asserted on every build. If a change to the engine ever moved one of these answers, the build would fail before the page could print it.

a lakh a month in hand

Monthly in hand you want
₹1,00,000
Basic pay as a share of CTC
40%
Tax regime
New regime
Financial year
FY 2025-26 (AY 2026-27)

CTC you need to ask for₹12,71,000

The search must hit its own target within one CTC step; CTC is rounded up to a whole thousand, which is about 100 a month of take-home

Open this example

a bigger target needs a more than proportional package

Monthly in hand you want
₹2,00,000
Basic pay as a share of CTC
40%
Tax regime
New regime
Financial year
FY 2025-26 (AY 2026-27)

CTC you need to ask for₹29,22,000

Same identity at double the target; the multiple itself must rise

Open this example

Method and limits

What it assumes

  • The same structure as the CTC calculator: 40% basic by default, PF at the ceiling.

What it deliberately does not model

  • A search rather than a formula, so it is accurate to the nearest thousand rupees of CTC.

Sources

Formula version 1.0.0 · definition 1.0.0 · India · Report a problem with this calculator

Frequently asked questions

Is there a simple multiple I can use?
Not a reliable one. The ratio drifts as income moves through tax slabs and as provident fund hits its ceiling, so a multiple that works at one salary is wrong at another.