How do I calculate CTC from in-hand salary?

To find CTC from in-hand salary, you need to reverse the deductions: add back income tax, employee PF, professional tax, employer PF, and gratuity to your desired in-hand amount. The exact CTC depends on your tax regime, salary structure, and PF settings. This calculator does the reverse calculation automatically.

What CTC do I need for Rs. 1 lakh in-hand per month?

To get Rs. 1 lakh per month in-hand under the new regime FY 2026-27 with standard PF structure and 40% basic, you typically need a CTC of approximately Rs. 15 to Rs. 16 LPA depending on your exact tax situation.

In-Hand to CTC Reverse Calculator

Know what to ask for in your next negotiation

Enter your desired monthly take-home. Get the exact CTC you need to negotiate for -- including PF, gratuity, tax, and salary structure.

FY 2026-27New and Old RegimeReverse CalculationFree, no login

Your Target In-Hand

Desired Monthly In-Hand

₹

= approx. Rs. 15-16 LPA CTC

Tax Regime

PF Structure

Salary Structure

City Type

Required Annual CTC

Monthly gross: -- | -- LPA

Your Take-Home

--/month confirmed

Annual Tax

Employee PF

Employer PF + Grat

Effective Tax Rate

Full CTC Breakdown

Component	Monthly	Annual
Enter your target in-hand above

Where Your CTC Goes

Net Take-Home

Income Tax

Employee PF

Employer PF + Grat

Professional Tax

Common Take-Home Targets (New Regime)

Rs. 50K/mo

Required CTC

Rs. 75K/mo

Required CTC

Rs. 1L/mo

Required CTC

Rs. 1.5L/mo

Required CTC

Rs. 2L/mo

Required CTC

Rs. 3L/mo

Required CTC

Have a job offer? Verify the exact in-hand from the CTC quoted.

CTC to In-Hand Calculator →

CTC Required for Common In-Hand Targets

These figures use new regime, standard PF structure (Rs. 1,800/month), 40% basic, and metro city. Use the calculator above for your exact numbers.

Monthly In-Hand	Annual In-Hand	Approx CTC Required
Rs. 50,000	Rs. 6 LPA	~Rs. 7.5 LPA
Rs. 75,000	Rs. 9 LPA	~Rs. 11 LPA
Rs. 1,00,000	Rs. 12 LPA	~Rs. 15.5 LPA
Rs. 1,50,000	Rs. 18 LPA	~Rs. 24 LPA
Rs. 2,00,000	Rs. 24 LPA	~Rs. 33 LPA
Rs. 3,00,000	Rs. 36 LPA	~Rs. 52 LPA

Why CTC is Always Higher Than In-Hand

Your CTC includes costs the employer bears on your behalf that never reach your bank account: employer PF contribution (12% of basic, capped at Rs. 1,800/month) and gratuity provision (4.81% of basic). These can account for Rs. 40,000 to Rs. 1,00,000+ annually depending on your salary.

On top of that, your in-hand is further reduced by employee PF, professional tax (Rs. 2,400/year), and income tax. At higher salaries, income tax alone can reduce your take-home to 65% to 70% of CTC.

How the Reverse Calculation Works

The reverse calculator uses a binary search approach -- it tries different CTC values and computes the resulting in-hand using the same engine as the CTC calculator, converging on the CTC that gives your target take-home within Rs. 100 accuracy.

Frequently Asked Questions

Under the new regime with standard PF structure and 40% basic, you need approximately Rs. 15.5 LPA CTC to get Rs. 1 lakh per month in-hand. The exact number varies based on your PF structure, city, and deductions. Use the calculator above for a precise figure.

CTC includes employer PF and gratuity (not paid to you monthly), and your in-hand is further reduced by employee PF, professional tax, and income tax. At Rs. 15 LPA, you typically lose Rs. 3 to Rs. 4 LPA to these deductions before a single rupee of income tax.

Enter your minimum acceptable monthly take-home and see the CTC you need to ask for. Always negotiate on CTC, not in-hand -- HR will always quote CTC. Knowing the exact CTC you need prevents you from accepting an offer that looks good on paper but falls short in your account.

Yes. If your company caps PF at Rs. 1,800/month (statutory) versus full 12% of basic, the difference can be Rs. 20,000 to Rs. 80,000 in annual CTC for the same take-home. Companies with full PF structure require a higher CTC to deliver the same in-hand.