India Target CTC Calculator — Tax Year 2026/27

Trying to negotiate a salary? Enter your desired monthly in-hand (take-home) pay, and we'll estimate the required annual CTC you should ask for under the New Tax Regime.

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We assume standard EPF (12% of Basic) and Professional Tax deductions in this estimation.

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Ready for Negotiation?

Enter your desired net income to see what CTC you should request from your employer.

What is a 'Net to Gross' Calculator?

A Net to Gross (or Gross-Up) calculator is a reverse salary tool. Instead of calculating your take-home pay from a given CTC, it calculates the Total CTC required to achieve a specific monthly in-hand target.

Why Use the Target CTC Calculator?

This tool is indispensable for salary negotiations. In India, because of the progressive tax slabs and various deductions (PF, PT, etc.), your Gross CTC can be significantly higher than your take-home pay.

  • Negotiate with Confidence: Don't just ask for a 20% hike; ask for a specific CTC that guarantees your desired monthly budget.
  • Compare Offers: If one company offers a high variable pay and another a higher fixed pay, use this to see the true monthly impact.

Key Negotiation Tips

When discussing your Target CTC with HR or a recruiter, keep these points in mind:

Always clarify if the CTC includes Variable Pay or Performance Bonus.
Check if Employer PF and Gratuity are part of the stated CTC.
Ask for the Fixed Component separately from the CTC.

Frequently Asked Questions

Grossing up is the process of calculating the gross amount of a payment when the net amount to be received is known. In salary terms, it means figuring out the CTC needed to ensure a specific take-home pay after all tax and PF deductions.
Yes, our calculator is updated with the latest tax slabs for the 2026-27 tax year (Income Tax Act 2025). It accounts for the increased standard deduction and revised slabs.
The CTC includes several 'leaks' such as Income Tax (TDS), Employee PF contribution, Professional Tax, and Employer PF contribution. To get ₹10 Lakhs in your bank, the company often has to spend ₹13-14 Lakhs.
While this is designed for salaried employees, freelancers can use it as a baseline. However, freelancers have different tax rules (like Section 44ADA) and don't have PF deductions, so their 'Gross' needs may be lower.