CTC → in-hand

₹/mo
You pay no income tax at all on this, the gap is PF and gratuity, and most of that is money you keep.
Never reaches you
₹1,40,677
Of that, tax
₹0
  • take-home88%
  • PF (yours, locked)10%
  • gratuity + professional tax2%
  • CTC ₹12L
  • Regime New
Valmonkvalmonk.com/ctc · not advice

The link carries your numbers, so whoever opens it sees this exact result. Nothing is saved on our side.

Arithmetic on the numbers you entered, under assumptions you can change. Not advice. We don't know your savings, your job security or anything else about you. What that means.

₹12L

The number on your offer letter

Tax regime

What this assumes

Every one of these is editable. If an assumption is wrong for you, change it, the answer changes with it.

%

Most employers set basic between 40% and 50%. It drives PF and gratuity, so it moves your take-home more than it looks like it should.

a year

Set by your state, capped at ₹2,500 a year. Karnataka and Maharashtra both hit the cap. Some states don't levy it at all.