PayPulseFree CTC to In-Hand Salary Calculator
Find out what your CTC really pays each month. Type it once and see your take-home pay with both tax regimes for tax year 2026-27, an estimated payslip and ways to keep more; then compare job offers, plan a notice period and work out a freelance rate. Everything is worked out in your browser: nothing you type is uploaded.
Your pay
Type your CTC to see what reaches your bank each month, where the rest of it goes, and how to keep more. Income tax as it stands for tax year 2026-27.
How much CTC for a set amount in hand?
Am I paid fairly?
Line up the salaries you know (offers you had, what friends in the same role earn, figures from job sites) beside your own CTC, and see what each one puts in your hand each month.
Compare offers
A higher CTC is not always more money. Put offers side by side with your current job and see the money in hand, the money over the years, your time, and what matters to you.
Growth
Where your pay could be in the years ahead: staying, getting promoted, or switching jobs. Compare up to three paths, in future rupees or in today's, and the savings each could build.
Leaving a job
Serve the notice or buy it out? Pick a resignation date that keeps your bonus, stock and gratuity, and see roughly what your full and final settlement should be.
Freelance rate
What to charge so that freelancing pays as well as a job: no paid leave, no employer PF, your own insurance and tools, and not every hour can be billed.
Estimates for planning, not tax or legal advice. Shortcuts, outside a text box: 1 to 6 open the six sections and H hides amounts. Esc closes a window.
How to Use PayPulse: Step-by-Step
Type your CTC
Under Your pay, type your yearly CTC as 1800000, 18L, 18 lakh or 1.2cr, the variable pay inside it and the city you work in. The pay that reaches your bank each month appears at once.
Check the split
Open "How the CTC is split" to match your offer letter: basic pay, HRA, PF capped or on full wages, gratuity, employer NPS, insurance and bills paid back. The estimated payslip follows every change.
Pick a tax regime
Both regimes are worked out side by side. Add your rent, 80C, health insurance and home loan under the old regime's deductions to see whether it saves you tax, and read the ways to keep more.
Compare salaries and offers
Add the salaries you know under "Am I paid fairly?", or put up to three offers beside your current job under Compare offers, with stock, joining bonus, travel and what matters to you.
Plan the move
Under Leaving a job, pick a resignation date that keeps your bonus, stock and gratuity, compare serving the notice with buying it out, and see roughly what your final settlement should be.
Keep it private
Press H, or the Hide amounts button, to blur every amount when someone is looking. Your numbers stay in this browser; save a backup or delete everything from the Help window.
Why Choose PayPulse?
The real monthly figure
A CTC is not a salary. PayPulse takes off the employer's PF and gratuity, insurance and variable pay, then your own PF, professional tax and income tax, and shows the amount that actually arrives each month.
Both regimes, worked out
The new and old regimes for tax year 2026-27 are calculated in full, including the rebate up to 12 lakh, marginal relief, surcharge and cess, so you can see which one costs you less and by how much.
Ideas with a rupee value
Every suggestion, from employer NPS to bills paid back or the rest of your 80C limit, comes with the tax it would save on your own pay, worked out with the same rules.
Offers on equal terms
Offers with different variable pay, stock, cities and travel are compared on the money that reaches you, over one to four years, and on the things you say matter.
Dates that cost money
A bonus paid in March, stock vesting in June or five years of service for gratuity can be lost by resigning a few days early. PayPulse shows the first safe day to resign.
Private by design
No account and no upload: every amount is worked out in your browser and kept only in its storage on this device. A backup is a file you save yourself.
CTC and In-Hand Pay in India
What a CTC includes
Cost to company is everything an employer spends on you in a year: gross pay (basic, HRA and allowances), their share of PF, the gratuity they set aside, any employer NPS or insurance, and variable pay at full target. Only gross pay arrives month by month, before your own deductions.
The Labour Codes
Since 21 November 2025 the Labour Codes count allowances above half of your pay as wages for PF and gratuity. A structure with a small basic and a big special allowance no longer lowers PF; PayPulse works PF and gratuity out on at least half of your pay.
Tax year 2026-27
From 1 April 2026 income tax comes under the Income-tax Act, 2025, with the same rates as before. The new regime is the default: no tax up to 12 lakh of taxable income, with a 75,000 standard deduction. The old regime keeps HRA, 80C and 80D.
PayPulse gives estimates for planning, worked out from the rules as they stand for tax year 2026-27 and the figures you type. Your employer's payslip and your tax return are the final word: employers round, prorate and time deductions in their own way, and some benefits are taxed differently. For decisions about your own tax, speak to a chartered accountant.
Frequently Asked Questions
Is PayPulse free, and is my salary sent anywhere?
It is free, with no registration and no limit. Like every page on ZeroDataUpload, it is supported by advertising. Every amount you type is worked out by your browser on your device and never sent to a server. Your numbers are kept in this browser's storage so they are there next time; Delete everything, in the Help window, removes them.
How does it turn a CTC into monthly in-hand pay?
A CTC is your gross pay plus what the employer pays on top of it: their share of PF, the gratuity set aside, any employer NPS or health insurance, and variable pay if targets are met. PayPulse splits the CTC the way most Indian employers do (basic, HRA, a special allowance), then takes off your own PF, professional tax and income tax. What is left, divided by 12, is the pay that reaches your bank each month. Variable pay is shown separately, after tax, because it comes once a year.
Which tax rules does it use?
Income tax for tax year 2026-27 under the Income-tax Act, 2025, in both regimes: the new regime's slabs of 4 lakh with a 75,000 standard deduction and no tax up to 12 lakh of taxable income (with marginal relief just above it), the old regime's slabs by age with a 50,000 standard deduction and its deductions such as HRA, 80C and 80D, plus surcharge and the 4% cess. PF uses the Labour Codes in force since 21 November 2025 and the EPF wage ceiling of 25,000 a month.
Why is my in-hand pay much lower than CTC divided by 12?
Because a CTC counts money that never reaches your bank each month: the employer's PF and gratuity, insurance, variable pay that comes once a year, and then your own PF, professional tax and income tax come off your gross pay. On many CTCs only 70 to 85 rupees of every 100 arrive as monthly pay. The "Where your CTC goes" bar shows your own split.
Where do the salary figures in "Am I paid fairly?" come from?
From you. PayPulse has no built-in salary survey: you add salaries you know, such as offers you had, what friends in the same role earn or figures from job sites, and it lines them up beside your own CTC and shows what each one puts in hand each month with your tax settings. The more salaries you add for the same role, experience and city, the better the check.
How does it compare job offers?
Each offer is worked out with the same tax rules: pay in hand each month, variable pay at the share you expect, the joining bonus and stock after tax in the year they arrive, PF, and the travel time and cost of each office. You can add how much dearer or cheaper living is in each city. Sliders say what matters to you (money now, money over the years, time, days from home, growth, security, health cover, notice period) and the score follows.
How is it different from Payslip Studio and Where Did My Salary Go?
Payslip Studio is for an employer who makes salary slips for employees each month. Where Did My Salary Go? looks at where one month's pay was spent. PayPulse is for you as an employee before and between jobs: what a CTC really pays, which tax regime suits you, which offer is worth more, when to resign and what to charge as a freelancer. The tax rules are the same in all three.