Reverse Salary Calculator
Know the take-home you need? Find the annual CTC that gets you there — after PF, gratuity, ESI, professional tax and income tax under the FY 2026-27 rules. Useful before you name a number in a salary negotiation.
How it works
We run the same engine as the in-hand salary calculator backwards: it tries CTCs in ₹1,000 steps and returns the lowest one whose monthly in-hand reaches your target. Every rule the main calculator applies — the ₹25,000 PF ceiling, the Labour Codes' 50% wage rule for gratuity and ESI, the ₹12 lakh rebate with marginal relief, surcharge and cess — applies here too.
To see exactly where each rupee of a CTC goes, read CTC to in-hand, worked rupee by rupee.
Frequently asked questions
What CTC do I need for ₹1 lakh a month in hand?
About ₹14,95,000 a year in the New Regime, with Basic at 50% of CTC, PF on the full Basic, gratuity inside CTC and ₹2,400 professional tax. Capping PF at ₹25,000 of Basic or keeping gratuity outside CTC brings it down.
What CTC do I need for ₹50,000 a month in hand?
About ₹7,04,000 a year on the same defaults. There's no income tax at that level in the New Regime — the gap is PF, gratuity and professional tax.
Why isn't the CTC just my in-hand × 12?
CTC includes your employer's PF and gratuity, which never reach your bank account each month, and your own PF, professional tax and income tax come out of the rest. On the default structure that's 15% of a ₹12 lakh CTC and 25% of a ₹25 lakh one.
Should I count my bonus?
No. Variable pay isn't paid monthly, so this calculator assumes none. If an offer includes a bonus, compare its fixed part with the CTC shown here.