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CTC to Take-Home Calculator

Break down any Cost-to-Company package into actual monthly take-home salary. See exactly where your money goes.

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Privacy First Instant Results No Account Needed
300,000+
Calculations Done
95%+
Accuracy Rate
Old & New
Tax Regimes
12 components
Breakdown Detail

Why Professionals Choose This Tool

Everything you need, nothing you don't.

Complete CTC Breakdown

See basic pay, HRA, PF, gratuity, professional tax, and all deductions itemized clearly.

Tax Regime Comparison

Compare old vs new tax regime side-by-side to see which saves you more.

Multi-Currency Support

Calculate CTC breakdowns in INR, USD, GBP, or EUR with appropriate tax structures.

Visual Breakdown

Pie chart showing where each rupee of your CTC goes — clear and intuitive.

Bonus & Stock Calculation

Include variable pay, RSUs, ESOPs, and performance bonuses in your total compensation picture.

Year-on-Year Projection

Project your take-home with expected increments and promotions.

Why SkillUply Over the Alternatives?

Same quality. Zero cost. No strings attached.

FeatureSkillUplyClearTaxAmbitionboxSalary.com
PriceFreeFree (ad-heavy)Free (basic)Freemium
Account RequiredNoYesYesYes
Unlimited Use
AI-Powered
LimitationsNone — full access freeIndia-onlyIndia-focusedUS-focused
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What Users Say

“Finally understood why my 12L CTC gives me only 75K/month. The breakdown is crystal clear.”

Rahul D. — Software Engineer

“Compared two offers — one with 15L CTC but better structure gave ₹8K more monthly than a 16L offer.”

Sneha V. — Product Manager

Perfect For

Evaluating job offers with different CTC structures
Understanding actual take-home before accepting an offer
Comparing old vs new tax regime benefits
Salary negotiation — knowing what to ask for

Frequently Asked Questions

What is CTC and how is it different from take-home?+
CTC (Cost to Company) is the total amount a company spends on you annually — including employer PF contribution, gratuity, insurance, etc. Take-home is what hits your bank account after all deductions. The gap can be 25-40% of CTC.
Which tax regime should I choose?+
Our calculator shows both side-by-side. Generally: new regime is better if you have few deductions (rent < ₹50K, no home loan). Old regime wins if you maximize 80C, HRA, and other exemptions.
Is this accurate for my specific company?+
The calculator uses standard Indian salary structures. Actual breakdowns vary by company policies (PF percentage, insurance premiums). Use this as a close estimate — typically within 5% of actual.
Does it work for US or international salaries?+
Currently optimized for Indian CTC structures (most complex globally). For US/UK salaries, use our Salary Calculator which handles gross-to-net for those regions.
Can I compare two offers?+
Yes — run the calculator for each offer and compare the take-home amounts. This is especially useful when offers have different CTC structures (higher basic vs higher variable).

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