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See which job offer really pays more — compare 2 CTC packages on real monthly in-hand salary, with EPF, tax regime, and professional tax factored in.
A job offer comparison tool takes two CTC (Cost to Company) figures and works out real monthly in-hand salary for each — a true take-home salary calculator for CTC vs in-hand comparisons, not a CTC comparison. Freelancers moving to a full-time role, corporate employees evaluating a switch, fresh graduates comparing their first two offers, and HR or payroll teams benchmarking packages all use it the same way: put in the CTC, get the number that actually lands in the bank.
For each offer, the tool applies this chain:
Basic Salary = CTC × Basic %
Employer PF = 12% × Basic
Gross Salary = CTC − Employer PF
Employee PF = 12% × Basic
Taxable Income = Gross Salary − Standard Deduction (− Employee PF, Old Regime only)
Income Tax = Slab tax (per regime) − Section 87A rebate (if eligible) + 4% cess
Net Take-Home (Annual) = Gross Salary − Employee PF − Professional Tax − Income Tax
Monthly In-Hand = Net Take-Home (Annual) ÷ 12Income tax is computed under the New Tax Regime (Section 115BAC of the Income Tax Act, 1961, now renumbered as Section 202 of the Income Tax Act, 2025), which is the default regime, or the Old Regime if you opt out. Standard deduction is ₹75,000 (New Regime) or ₹50,000 (Old Regime). EPF follows EPFO's 12% employee + 12% employer contribution rule.
Marginal relief: if taxable income sits just above ₹12,00,000 (New Regime) or ₹5,00,000 (Old Regime), the Section 87A rebate still applies partially — tax payable is capped at the amount of income that crossed the threshold. This stops a ₹1 income increase from triggering a full tax bill. This calculator applies that rule; many simpler calculators don't, and overstate tax right above these thresholds.
Scope note: this calculator does not compute surcharge, which applies only above ₹50 lakh taxable income. For offers in that range, treat the result as pre-surcharge and consult a CA. [VERIFY]
Priya has two offers: Offer A at ₹12,00,000 CTC and Offer B at ₹13,50,000 CTC, both under the New Regime, with Basic Salary at 50% of CTC and professional tax applicable.
Offer A (₹12,00,000 CTC)
Offer B (₹13,50,000 CTC)
Offer B pays ₹11,000 more per month in-hand. Its CTC is ₹1.5L higher, but the actual in-hand gap doesn't scale the same way — that's why you calculate it, not estimate it.
Budget 2026 kept the New Regime slabs unchanged from FY 2025-26: nil tax up to ₹4L, then 5%/10%/15%/20%/25%/30% in ₹4L slabs up to ₹24L. The Section 87A rebate stays at ₹60,000, so tax is nil up to ₹12L taxable income. A salaried employee's effective tax-free ceiling is ₹12.75L once the ₹75,000 standard deduction is applied.
Separately, the Income Tax Act, 2025 replaced the Income Tax Act, 1961 from 1 April 2026. Section 115BAC is now Section 202 — the computation hasn't changed, only the section number. If you're comparing offers starting in FY 2026-27, use these figures, not older FY 2024-25 numbers still floating around online. Professional tax figures in this guide (₹2,400/year) are a Karnataka-style example only — your state's actual slab may differ. [VERIFY]
Not always. Two offers with similar CTC can have very different in-hand pay depending on Basic Salary percentage, Employer PF structure, bonus components, and which tax regime applies. Always run both offers through a calculator before deciding.
Compare under whichever regime you'd actually choose to file under for each offer. If you have large deductions like HRA or home loan interest, check the Old Regime too — our Old vs New Tax Regime Multi-Year Calculator helps with this over multiple years.
Most Indian companies fix Basic Salary between 40% and 50% of CTC. It directly affects your EPF contribution and, under the Old Regime, your HRA exemption — so check your specific offer letter rather than assuming a default.
No. Professional tax is levied by state governments and varies — for example, ₹2,500/year in Maharashtra and ₹2,400/year in Karnataka, while several states like Delhi and UP don't levy it at all. Confirm your state's slab for an accurate comparison.
No — this tool compares two current offers as-is. To project take-home salary growth with annual increments, use our Salary Increment Calculator instead.
Add the bonus separately to your comparison since it's typically a one-time payment, not part of recurring monthly in-hand. This tool focuses on your fixed, recurring take-home salary.
No — the tool assumes the standard EPFO rate of 12% employee + 12% employer contribution on Basic Salary. If your employer uses a different structure, your actual EPF deduction may vary slightly.
Calculations verified by our team including CA Anita Patil. View our full accuracy policy and meet the team →
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