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See how CTC becomes take-home pay, and what a hike or a second offer actually changes in the bank credit.
In Indian offer letters, the largest number on the page is usually cost-to-company, not the amount that lands in your account. Employer PF and gratuity sit inside CTC. Employee PF, professional tax and income tax then come out of gross salary. Two people with the same CTC can have very different take-home figures.
These calculators use the tax year shown on each page. They do not file returns, and they cannot see your Form 16.
Each tool shows the formula, assumptions and a short explanation. Numbers stay in your browser.
CTC is what you cost the employer. Gross is closer to what you are paid before statutory deductions. Take-home is what remains after PF, professional tax and TDS. The in-hand salary calculator makes that split explicit. The CTC vs take-home guide explains why a 20% hike in CTC is rarely a 20% hike in the credit.
Variable pay, joining bonuses and different PF treatments can make a “higher CTC” offer weaker in the first year. Put both letters through the offer comparison calculator with the same tax regime and the same city professional-tax setting before you treat the headline as the answer.
Read the explanation, then run the matching calculator with your own numbers.