Understand your CTC before you sign
Plain-English guides to what an Indian job offer includes, what it really pays each month, and what to ask before you accept.
Guides
- Same CTC, different pay Why two ₹20L CTC offers can pay about ₹35,000 a month apart: employer PF, gratuity, variable pay, joining bonuses and ESOPs.
- Is gratuity part of CTC? Gratuity can sit inside your CTC, but it isn't monthly pay: it's generally payable when you leave after five years. How to spot it, and what it costs you.
Tools
- Offer analyzer Your own letter: take-home, both tax regimes, and what's still unknown.
- Salary chart Every CTC from ₹3 to ₹75 LPA and what it comes to each month.
- CTC to in-hand calculator Just a CTC: the monthly in-hand range across four salary structures.
- How it works From offer letter to take-home, step by step.
- Rules and sources The tax rules and Acts the figures follow.
Have an offer?
Know what it's really worth.
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- Your letter is read on your device, not uploaded
- Saved offers stay in this browser
- Both tax regimes, for 2024-25 to 2026-27
- Blank fields stay unknown, never ₹0