CTC in Hand for AI agents and developers

Connect an AI assistant

claude mcp add --scope user --transport http ctcinhand https://mcp.ctcinhand.in/mcp

{
  "mcpServers": {
    "ctcinhand": { "type": "http", "url": "https://mcp.ctcinhand.in/mcp" }
  }
}

Call the REST API

curl -s https://mcp.ctcinhand.in/v1/calculate_in_hand_salary \
  -H 'content-type: application/json' \
  -d '{"ctc": 1200000, "monthly_rent": 25000, "section_80c": 150000}'

curl -s 'https://mcp.ctcinhand.in/v1/ctc_for_in_hand_salary?monthly_in_hand=100000'

Salary and offers

• calculate_in_hand_salary

  Convert an Indian CTC (cost to company) into monthly in-hand / take-home salary. Computes income tax under both the new and old regime (slabs, standard deduction, section 87A rebate with marginal relief, surcharge, 4% cess), employee and employer EPF, gratuity and professional tax, and says which regime pays less tax. Use when someone asks what a CTC or LPA figure means per month, how much tax they pay on a salary, or whether the new or old regime is better for them.

• ctc_for_in_hand_salary

  Work backwards from a target monthly in-hand (take-home) salary to the annual CTC an employer must offer to pay it, after income tax, EPF and professional tax. Use when someone knows the take-home they need and asks what CTC or LPA to ask for.

• salary_hike_in_hand

  Show how a CTC hike changes monthly in-hand salary: in hand before and after, the monthly increase, and how much of the hike is lost to higher tax. Give either hike_percent or new_ctc. Use for appraisal, promotion or job-switch questions.

• compare_salary_offers

  Compare two to five Indian job offers by what they actually pay per month in hand, each on its own salary structure (basic share, variable pay, professional tax, PF), taking the better tax regime for each. Use when someone weighs offers with different CTCs or structures.

• bonus_tax

  Income tax on a one-off bonus, joining bonus or variable payout on top of a salary: the extra tax at the person's marginal rate (including surcharge and cess), what reaches the bank, and the share kept.

• notice_period_buyout

  Cost of buying out the unserved part of a notice period: days left after days served and leave set off, the daily rate on the pay basis the employer uses, and, if a new CTC is given, the gross reimbursement a new employer must pay so the person is whole after tax.

• freelance_vs_salary

  Compare freelance or consulting income taxed under presumptive section 44ADA (50% of receipts deemed profit) with a salaried job: freelance take-home after tax and expenses, what the same amount pays as a CTC, and the CTC that matches the freelance take-home. Notes the ₹75 lakh 44ADA limit and the ₹20 lakh GST threshold.

Income tax

• income_tax_on_salary

  Income tax on an annual gross salary in India under the chosen regime: taxable income after the standard deduction, slab tax, 87A rebate, surcharge, cess, total tax and monthly TDS. Use when the gross salary (not CTC) is known.

• old_regime_break_even

  The total old-regime deductions (80C, 80D, HRA exemption, home loan interest and others, beyond the standard deduction) a salary needs before the old regime pays less tax than the new regime. Use for "should I switch to the old regime" questions when deductions are unknown.

• hra_exemption

  House rent allowance exemption under section 10(13A): the least of HRA received, rent paid minus 10% of basic, and 50% (metro) or 40% (non-metro) of basic. Old regime only.

• rsu_tax

  Tax on RSUs for a salaried Indian resident: perquisite tax at vesting at the person's marginal slab rate, then capital gains tax on sale (Indian-listed shares long term after 12 months at 12.5% above ₹1.25 lakh, foreign shares long term after 24 months at 12.5%, short term foreign gains at slab).

• income_tax_slabs

  The current income tax slabs for salaried individuals in India under the new and old regimes, with the standard deduction, section 87A rebate limits, surcharge bands and cess. Use when someone asks for the slab rates rather than tax on a specific figure.

PF, savings and retirement

• epf_corpus_projection

  Project an Employees Provident Fund balance to retirement from monthly basic, age, interest rate and salary growth, with the 8.33% EPS pension diversion carved out of the employer share.

• vpf_impact

  Effect of a Voluntary Provident Fund contribution: the drop in monthly in hand, tax saved under 80C (old regime), the VPF corpus after a number of years, and whether contributions cross the ₹2.5 lakh a year limit above which EPF interest is taxable.

• gratuity_amount

  Gratuity under the Payment of Gratuity Act: 15/26 of last drawn basic per completed year after five years of service, with the six-month rounding rule and the ₹20 lakh tax-free limit.

• retirement_plan

  Retirement plan in rupees: the corpus a monthly SIP and existing savings grow to, the corpus needed to fund today's monthly expenses (inflated) until life expectancy, the gap, and the monthly SIP that closes it.

• fire_number

  Financial independence (FIRE) target corpus from annual expenses and a safe withdrawal rate, with lean and fat FIRE targets, the savings rate, and the year net worth reaches the inflating target.

• sip_future_value

  Future value of a monthly SIP (systematic investment plan) at an expected return, with an optional yearly step-up, split into amount invested and gains.

• home_loan_emi

  Monthly EMI on a home, car or personal loan from principal, interest rate and tenure, with total interest and total repayment.

• home_loan_affordability

  Largest home loan a monthly in-hand salary can support, keeping the EMI within a share of take-home (lenders typically allow 40-50%). Pair with calculate_in_hand_salary when only the CTC is known.

Reference

• professional_tax_by_state

  Professional tax a salaried employee pays in an Indian state: monthly and annual amount at the top slab, the salary threshold and slab notes, or the full list when no state is given. States with no professional tax (Delhi, Haryana, Uttar Pradesh and others) are reported as zero.

Limits and terms