For candidates · Free

Understand your offer. Make informed decisions.

Upload your offer letter or enter your CTC. See every component, your tax and your monthly take-home, worked out privately in your browser.

Analyse my offer How it works

Free No login Your offer never leaves your device

Analyse your offer

Everything runs on this page. Close the tab and it’s gone.

Assumptions

  • Tax for FY 2026–27 under whichever regime is cheaper for you, worked out by CTCtruth's engine: standard deduction, the 87A rebate, surcharge and 4% cess.
  • Employer and employee PF at 12% of basic, on the basis you pick above.
  • Gratuity inside the CTC. Professional tax as charged in Karnataka (working in Bengaluru).
  • Variable pay is paid only if earned, so it is left out of monthly take-home and this tax estimate.
  • HRA at half of basic, no rent or other deductions claimed. The starting split is the same as the homepage example. Your offer letter may split pay differently.
Estimated take-home ₹1,40,744per month ₹16,88,928 per year
Annual CTC
Employer PF part of CTC, goes to your PF account
Gratuity paid when you leave after 5 years
Variable pay paid only if earned, not monthly
Gross salary
Standard deduction
Taxable income
Income tax incl. 4% cess
Employee PF
Professional tax
Take-home per year
Take-home per month

Tax estimation

Your income tax under both regimes, using whichever is cheaper, with the 87A rebate and cess applied.

PF & gratuity

How much of your CTC goes into PF and gratuity instead of your bank account.

Coming soon

Loan eligibility

A rough idea of what a lender may offer on your take-home pay.

Coming soon

Compare offers

Put two offers side by side and see which pays more each month.

How it works

Be in control of your career decisions.

  1. Upload or enter

    Add your offer letter or type in your annual CTC.

  2. We analyse

    Your browser applies current tax slabs, PF and gratuity rules.

  3. Get your breakdown

    See each deduction and your take-home per month and per year.

  4. Compare & plan

    Use the numbers to negotiate, compare offers and budget.

Takes under a minute. No sign-up.

Get Started Now
Questions

Before you start

Is my offer letter uploaded anywhere?

No. The file and the numbers you enter stay in your browser tab. CTCtruth does not send them to a server or store them, and you don’t need an account.

Which tax regime do you use?

Both regimes for FY 2026–27, and you see the cheaper one: slab rates, the standard deduction, the section 87A rebate, surcharge and 4% health and education cess. The full analyser also lets you claim deductions under the old regime.

Why is my in-hand pay lower than CTC ÷ 12?

CTC is what the company spends on you, not what reaches your bank. Employer PF and gratuity are part of CTC but you don’t receive them monthly. Then income tax, your own PF contribution and professional tax come out of your gross salary.

Is it really free?

Yes. The candidate tools are free with no login. Recruiters pay for the recruiter portal; candidates never do.

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