What Is CTC (Cost to Company)?

Everything an employer spends on you in a year, not what reaches your bank account.

Tax

CTC includes your gross salary plus the employer's PF, gratuity and sometimes bonuses and insurance. Your own PF, professional tax and income tax then come out of the gross.

In-hand pay is often 70% to 85% of CTC ÷ 12, depending on the salary structure and tax regime.

CTC to in-hand calculator

Tax

Guides in Plain Words

Short reads that explain how it works before you decide.

All Tax guides

Tax15 Oct 2026 · 6 min readOld vs New Tax Regime for FY 2026-27: Three Salaries, Worked OutThe new tax regime is now the default, and for most salaried people it is also cheaper. Here is the arithmetic for salaries of Rs 12 lakh, Rs 20 lakh and Rs 30 lakh, and the one question that tells you when the old regime still wins.Read the guide →

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