Work out ctc to in hand salary instantly with clear inputs, formula shown and shareable results.
Cost to company includes employer contributions and gratuity accrual that never reach your bank account. Stripping those out gives gross salary, from which your own pension share and tax are then deducted.
CTC to in-hand
Gross = CTC - employer contributions; in-hand = gross - employee pension - tax
Tax figures are estimates based on the rates, caps and thresholds you enter. Real rules differ by jurisdiction and change every year, and personal circumstances alter the outcome. This is not tax or financial advice — confirm with a qualified adviser.
Because CTC counts employer contributions, gratuity accrual and sometimes notional benefits as part of your package.
It is earned but only paid after qualifying service, so counting it in CTC overstates current cash pay.