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Fileraz
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Job & Career Calculator
Simplified pay and tenure math, reviewed October 2026 — flat-percent sketches and single-interval counts, not payroll or service records. Confirm with offer letters, contracts, and HR.
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Monthly in-hand is (CTC − PF − tax) ÷ 12 at the flat percents you enter: ₹12,00,000 with 12% PF and 10% tax deducts ₹2,64,000 and pays ₹78,000 a month. The page splits deductions from take-home so the gap between the headline package and the bank credit is visible — usually the first surprise of a first salary.
Enter annual CTC with the PF and effective tax percents that match your situation. The result is a rough monthly figure: real payslips layer basic, HRA, allowances, employer-versus-employee PF, professional tax, and slab-based income tax instead of two flat rates. Use this to size the gap, then read one real payslip to see where the approximation bends.
It does not model salary structure, slab-based tax, bonuses, ESOP, reimbursements, or employer-versus-employee PF split — a flat-percent sketch of take-home, with the payslip as the authority.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
CTC includes employer PF, gratuity, and benefits you never see monthly, plus your own PF and tax deductions. The take-home is what remains after all of that.
No. It stays in the browser tab.
Run the offer letter's salary annexure line by line, or one actual payslip — flat percents can only approximate a slab-and-allowance structure.
That is the promise behind every tool here. Files are read in your browser tab, processed there, and discarded when you close it — never uploaded to our servers.