Reverse Salary Calculator – Find Required CTC from Desired In-Hand Salary

Enter Your Details

Desired Monthly In-Hand (₹)

State (for Professional Tax)

Basic Salary % of CTC

Tax Regime

PF Contribution

Required CTC Breakdown

To get ₹0/month in-hand, you need a CTC of:

₹0 /year

₹0/month

Annual CTC-

Basic Salary-

Employer PF (12%)-

Gratuity (4.81%)-

Gross Salary-

Employee PF-

Income Tax (+ 4% cess)-

Professional Tax-

Annual In-Hand-

Monthly In-Hand-

Frequently Asked Questions

What is a Reverse Salary Calculator?

A reverse salary calculator helps you find the CTC (Cost to Company) you need to negotiate with your employer to achieve your desired monthly in-hand salary. It works backwards from your target take-home pay, accounting for PF, taxes, gratuity, and professional tax.

How does the calculator handle income tax?

It applies the latest FY 2025-26 tax slabs for both Old and New regimes. The new regime offers a rebate for taxable income up to ₹12 lakh, while the old regime offers a rebate up to ₹5 lakh. A 4% health and education cess is added on the computed tax.

What is the difference between CTC and in-hand salary?

CTC includes all employer costs: basic salary, employer PF, gratuity, and other benefits. In-hand salary is what you actually receive after deducting employee PF, income tax, and professional tax from your gross salary.

Should I choose PF capped at ₹15,000 or on full basic?

Most companies cap PF contributions at a basic salary of ₹15,000/month (₹1,800/month PF). Some companies compute PF on the full basic salary. Check your offer letter or ask HR to know which applies to you.

Which tax regime should freshers choose?

For most freshers without significant investments (home loan, insurance, 80C), the New Tax Regime is simpler and often more beneficial due to the higher rebate limit of ₹12 lakh and lower slab rates. Use this calculator with both regimes to compare.