CTC calculator

What a cost to company is actually made of.

A CTC is not a salary. Put yours in and see the split — and what lands in the bank before income tax.

Annual CTC (₹)Basic, as a share of CTC (%)HRA, as a share of basic (%)50% is usual in a metro, 40% elsewhere.Employer PF rate (%)PF wage ceiling, per month (₹)Gratuity, as a share of basic (%)Professional tax, per month (₹)

Cap PF at the wage ceiling (what most employers do)

Annual

Basic

₹4,80,000

HRA

₹1,92,000

Special allowance

The balancing figure.

₹4,83,312

Employer PF

Part of CTC, not of your salary.

₹21,600

Gratuity

Payable after five years of service.

₹23,088

Monthly

Gross salary

₹96,276

Less employee PF

₹1,800

Less professional tax

₹200

In hand, before income tax

Income tax is not included — see below.

₹94,276

How this is worked out

Basic is a percentage of CTC that you choose; HRA is a percentage of basic. Employer PF is 12% of basic capped at ₹15,000 a month, and gratuity is 4.81% of basic. Special allowance is whatever is left, which is how most CTC structures balance.

⚠️ The in-hand figure excludes income tax. That depends on your regime, your declarations and the month, and a number that ignores all three would be worse than no number. Professional tax is included because it is a flat monthly deduction — set it to your own state’s.

Indicative only, and not tax or legal advice. Every company structures pay differently — change the assumptions above to match yours. Nothing here is stored or sent anywhere; the arithmetic happens in your browser.

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