Should gratuity be removed from in-hand?

Yes. Gratuity is generally a future benefit, not a monthly cash component.

What if my company pays no variable salary?

Set variable pay to zero for a cleaner monthly take-home estimate.

Convert total CTC into a monthly take-home estimate.

Update the values below to calculate your result instantly.

Annual CTC

Variable Pay

Employer PF

Annual Gratuity

Estimated monthly cash component

INR 54,798

Estimated annual cash component

6,57,576

This version starts from CTC and removes employer-side components to estimate the salary that can actually become cash.