Salary Breakup Calculator
Break annual CTC into gross salary, employer components, deductions, and estimated take-home.
Optional — defaults to 40% of CTC.
Optional — defaults to 40% of basic.
Optional — defaults to CTC balance after components.
Optional — defaults to 12% of basic.
Optional — defaults to 12% of basic.
Optional — defaults to ₹2,400. Use Professional Tax calculator for state slabs.
Shows how CTC splits into employee gross (basic, HRA, allowances) versus employer-only costs (employer PF, gratuity provision, bonus budget). Take-home = gross − employee PF − professional tax − other deductions. Income tax is not auto-computed here — use the Salary Calculator for new-regime tax. Simplified payroll model for offer-letter clarity.
What is CTC?
Cost to Company is the total annual cost of employing you, including salary components paid to you and employer contributions or provisions that never hit your bank account.
What is gross salary?
Gross is the sum of components that form your salary before employee deductions — typically basic, HRA, and allowances. Employer PF is part of CTC but not gross take-home base in this model.
What is take-home salary?
Estimated cash after employee PF, professional tax, and other deductions you enter. Income tax / TDS is not included unless you fold it into “other deductions”.
How is CTC converted into salary?
Enter CTC and optional components. Defaults assume basic ≈ 40% of CTC, HRA ≈ 40% of basic, employer/employee PF ≈ 12% of basic, and remaining CTC as other allowances.
Why is take-home lower than CTC?
CTC includes employer costs (PF, gratuity, insurance budgets). Employee PF and taxes further reduce cash. Variable pay and perquisites are not modeled in full.