CTC to Monthly Salary Calculator

The CTC to Monthly Salary Calculator converts an annual cost-to-company figure into two things Indians use constantly: the same number expressed in lakhs per annum, and the monthly equivalent of that annual package.

The monthly figure it produces is a CTC equivalent — annual CTC divided by twelve. It is the right number for comparing packages and for understanding what “12 LPA” means per month, and it is not the amount that will reach your bank account. The page below explains the difference in detail.

1. Enter the annual CTC in rupees, or tap a common LPA value.
2. Read the LPA figure and the monthly CTC equivalent.

Monthly CTC equivalent = Annual CTC ÷ 12

LPA = Annual CTC ÷ 1,00,000

An annual CTC of ₹12,00,000 is 12 LPA, which works out to a monthly CTC equivalent of ₹1,00,000. The amount credited to your account will be lower after PF, professional tax and income tax.

Common Indian package sizes with their LPA form and monthly CTC equivalent.

Reverse the arithmetic to go the other way: multiply a monthly figure by 12 and divide by 1,00,000. \u20B975,000 a month is \u20B99,00,000 a year, which is 9 LPA.

• A recruiter quotes a package in LPA and you think in monthly terms.
• You are a student or fresher trying to understand what a placement offer means monthly.
• You need to convert a monthly expectation into the LPA figure an application form asks for.
• You are comparing two offers quoted on different bases.

• Employer contributions inside CTC. Employer PF, the gratuity provision and insurance are real costs that never reach your account monthly.
• Variable and bonus components. Often paid quarterly or annually, so they do not spread evenly across twelve months.
• Your own deductions. Employee PF, professional tax and TDS come out of what remains.
• Joining month. A part-month of service is paid pro rata on paid days.

LPA — lakhs per annum — is the standard unit in Indian hiring, and one lakh is 1,00,000. Because packages are quoted as CTC rather than as gross or net pay, two offers with the same LPA can deliver noticeably different monthly income. When a number matters to your budget, ask for the monthly gross and the component breakup rather than relying on the LPA figure alone.

• CTC is spread evenly across twelve months.
• Variable pay is included only if it is part of the CTC figure you enter.

Monthly CTC equivalent is not your in-hand salary. Employers structure CTC differently and may pay variable components quarterly or annually, which changes what you actually receive each month.

The formula above is the whole calculation — nothing is hidden, and every figure you enter stays in your browser. Read the calculator methodology for how formulas are chosen, how inputs are validated and how rounding is handled, or report a result that looks wrong.