CTC to in-hand, with PF and deductions — 100% free, runs in your browser
The gap between the CTC in an offer letter and what actually reaches your bank account surprises most people. The difference is employer PF, your own PF contribution, and other deductions. This works through that gap so you know what you are really being offered.
CTC includes costs the employer pays that never reach you, chiefly their PF contribution and sometimes gratuity. Your own PF is then deducted from what remains.
EPF is calculated on basic salary up to ₹15,000 a month. Above that, contributions are usually capped, though some employers contribute on full basic.
No. This shows in-hand before tax. Use the Income Tax Calculator alongside it for the full picture.