India CTC to In-Hand Salary Calculator 2026
Convert annual CTC into modeled gross salary, employee deductions, estimated income tax, monthly in-hand pay and employer-only CTC components.
Enter one annual CTC, then adjust the salary-structure assumptions only if your offer differs. Ivvora reads current EPF and ESI parameters from the India country dataset instead of freezing them into this page.
One input flow. Employee money and employer-side context together.
Results are calculated from the current country dataset and the specific assumptions shown in this tool. Unresolved payroll rules are not silently guessed.
Data-backed where law matters. User-controlled where the contract matters.
Ivvora reads statutory rates, caps and verified formulas from the current country dataset. When a value is contract-, state-, employer- or scenario-specific, the calculator asks for it rather than silently inventing a national default.
Employee pay and employer cost can be different numbers.
Where the underlying data supports it, Ivvora shows employee deductions and employer-paid statutory costs side by side so one salary can be understood from both perspectives.