Turn a CTC into real take-home before you make an offer
Estimate only — actual take-home depends on your exact structure, investments and state professional tax. Confirm with your payroll team.
The gap that surprises new hires
CTC includes employer PF, gratuity provisions and allowances the employee never sees in their bank. A ₹12 L CTC often lands around ₹80–90k/month in hand, not ₹1 L — set expectations at offer time to avoid awkward first paydays.
For most salaries under ₹12 L, the new tax regime now wins for employees who don't have large 80C investments. Use the toggle to compare.