Decode Your
Real Salary
India's most transparent CTC-to-in-hand calculator. Understand why two offers with the same headline CTC can produce different take-home pay.
Every tool you need to understand your salary
From CTC breakdown to tax regime comparison — all calculations are transparent, editable, and based on linked official sources.
CTC to In-Hand Calculator
Decode your offer letter. See exactly where every rupee of your CTC goes — basic, PF, gratuity, tax, and what lands in your bank.
In-Hand to CTC Calculator
Want ₹1L/month in hand? Find out what CTC you need. Reverse-solves using the same full calculation engine.
Offer Comparison
Compare two offers with independent assumptions. See the real in-hand difference, not just headline CTC.
New vs Old Tax Regime
Which tax regime saves you more? Compare with your actual deductions under the Income-tax Act, 2025.
Salary Hike Calculator
A 30% CTC hike doesn't mean 30% more in-hand. See the actual post-tax change in your bank credit.
HRA Exemption Calculator
Estimate your House Rent Allowance tax exemption under the old regime. Metro vs non-metro, with clear eligibility rules.
Compare Two Offers in a Single Line
Two offers with different headline CTCs can have counter-intuitive take-home numbers. See why guaranteed fixed cash beats volatile bonuses.
How PayDecode Works
Engineered to remove all guesswork from Indian compensation structures and payslips.
Enter Your CTC & Offer
Type your annual CTC or offer amount. Supports plain numbers, lakhs (12L), or crores with instant client-side parsing.
Adjust Assumptions
Set your basic pay ratio, PF policy (statutory ceiling vs full basic), tax regime, state professional tax, and variable pay.
Decode Real Take-Home
Get a line-by-line breakdown of your monthly bank credit, tax, PF, and every CTC component. Download an audited payslip preview.
Why this may differ from your payslip
Every salary calculator is an estimate. Your actual payslip depends on your employer's specific salary structure, PF policy, payroll software, state professional tax, variable pay timing, and other factors we can't know.
PayDecode is transparent about this. We show you every assumption, link to official sources, and let you adjust inputs to match your situation.
Sources & Rules
Rules last reviewed: 2026-10-17. Tax Year 2026–27.
Explore Real Offers & Pay Commission Scales
Verified offer breakdowns from top Indian tech employers and official Central Pay Commission salary scales.
Corporate Tech Offer Breakdowns
Verified CTC structures with monthly bank credit analysis
Government Pay Scales & Scenarios
7th CPC Gazette Pay & 8th CPC Scenario Models
Know your real take-home pay
No sign-up. No data uploaded. Calculate your salary in seconds.
Start Calculating →Frequently Asked Questions
What is CTC and how is it different from in-hand salary?
CTC (Cost to Company) is the total amount your employer spends on you annually. It includes your cash salary, employer PF, gratuity provision, insurance, and sometimes variable pay. Your in-hand salary (net take-home) is what actually lands in your bank account after deducting employee PF, professional tax, and income tax (TDS).
Why does PayDecode show a different amount than other calculators?
Most calculators use simplified approximations. PayDecode implements the full Income-tax Act, 2025 with proper slab calculations, rebate with marginal relief, cess, and the updated PF statutory ceiling (₹25,000 from September 2026). We also let you adjust every assumption — basic pay ratio, PF policy, variable pay, and employer NPS — which can significantly change the result.
Is the new tax regime better than old for me?
It depends on your deductions. Under the new regime (default from Tax Year 2026–27), you get a higher standard deduction (₹75,000) and wider slabs, but you forgo most Chapter VI-A deductions (80C, 80D, HRA, etc.). Use our regime comparison calculator with your actual deduction amounts to see which saves more.
What is the current PF contribution amount?
The EPFO statutory wage ceiling increased from ₹15,000 to ₹25,000 per month effective 17 September 2026. Under the statutory ceiling policy, both employee and employer contribute 12% of ₹25,000 = ₹3,000/month each. However, many employers contribute on full basic salary or use custom policies. PayDecode lets you select your employer's PF policy.
Is my salary data safe? Do you store anything?
PayDecode runs entirely in your browser. No salary data, offer letter details, deduction inputs, or personal information is sent to any server, stored in cookies, or saved to local storage. PDF generation also happens client-side. We have no backend, database, or analytics that captures financial inputs.
Can I trust this calculator for tax planning?
PayDecode provides estimates based on displayed assumptions and linked official sources. It is not personal tax or financial advice. Your actual payroll depends on your employer's salary structure, payroll software, state-specific rules, and individual tax situation. We recommend using this as a starting point and consulting a qualified tax professional for specific decisions.