Others Calculators

CTC Decoder & Salary Negotiation Calculator

Most Indian salaried employees do not understand their own CTC structure. A Rs.12 lakh CTC does not mean Rs.1 lakh per month in hand — it never does. This calculator has two distinct modes:

• Mode A — CTC Decoder: Given a CTC figure and basic salary percentage, break it into all components (Basic, HRA, LTA, Special Allowance, Employer PF, Gratuity provision) and compute the actual monthly take-home after all deductions.
• Mode B — Offer Comparison: Compare a current CTC and a new job offer side-by-side on true in-hand income, total benefits, and net financial gain — accounting for differences in structure, NPS, variable pay, and cost-of-living change if relocating.

This calculator is unique because it addresses one of the most common sources of financial confusion for Indian working professionals.