CTC Reality Decoder
AI-Powered 🔒 PrivateBreak down your CTC offer letter into what you actually receive. Compare with previous job. Get AI negotiation coaching — only totals sent, never your personal data.
Tax Regime:
This usually maps to the Section 87A rebate threshold. Verify the applicable limit before editing it.
CTC Components
| Component | Annual (₹ / %) | Type |
|---|
Up to 20 components
Old Regime Deductions
Enter your previous job's total CTC to see the real take-home difference.
Your Reality 💰
Actual Monthly In-Hand
₹0
₹0 / year
Gross CTC
₹0
Annual TDS (tax)
₹0
Employee PF
₹0
Illiquid/Conditional
₹0
Taxable Pay Before Reliefs
₹0
− HRA Exemption
₹0
− Standard Deduction
₹0
− Old Regime Deductions
₹0
Taxable Income For TDS
₹0
Real CTC efficiency
0%
Effective hourly rate
₹0/hr
CTC Breakdown
Risk Flags
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