In hand to CTC calculator
Work backwards from the number that matters. Enter the monthly in hand you need, set the structure your employer uses, and get the smallest CTC that delivers it under the FY 2026-27 new regime, plus the hike that takes from your current package.
What you need
After tax, EPF and professional tax, from fixed pay
Leave at 0 to skip the hike figure
₹0 in Delhi, Haryana and UP
CTC to ask for
₹14,54,000
14.54 LPA leaves ₹1,00,034 a month in hand under the new regime.
- Monthly gross
- ₹1,13,897
- Income tax / year
- ₹76,715
- Your EPF / month
- ₹7,270
- In hand share of CTC
- 82.6%
Negotiation range
| Monthly in hand | CTC needed | Tax / year |
|---|---|---|
| ₹80,000 | ₹10,94,000 (10.94 LPA) | ₹0 |
| ₹90,000 | ₹12,31,000 (12.31 LPA) | ₹0 |
| ₹1,00,000 | ₹14,54,000 (14.54 LPA) | ₹76,715 |
| ₹1,10,000 | ₹16,18,000 (16.18 LPA) | ₹1,00,764 |
| ₹1,25,000 | ₹18,69,000 (18.69 LPA) | ₹1,41,827 |
| ₹1,50,000 | ₹23,15,000 (23.15 LPA) | ₹2,34,286 |
Fixed pay only. Variable pay, joining bonus and stock are on top of this figure, so ask for them separately rather than letting them fill the gap.
Questions
About ₹14,54,000 CTC in FY 2026-27 on the default structure: basic at 50% of CTC, employer PF inside CTC, ₹2,400 of professional tax and the new regime, which leaves ₹76,715 of income tax a year. A lower basic needs less CTC, because less of it goes to EPF.
Employer PF, any gratuity provision and your own PF come out of CTC before the money reaches you, and then income tax. At 20 LPA on a standard structure, close to a fifth of CTC never reaches your account as monthly pay.
Yes. When PF is computed on the ₹15,000 wage ceiling, both your PF and the employer share stop at ₹1,800 a month, so more of the CTC reaches you and the CTC needed for the same in hand falls.