CTC Breakup Calculator (India)

Build a complete salary structure: Basic, HRA, Special Allowance, plus employer costs like PF & Gratuity. Get monthly/yearly breakup, estimated in-hand, premium charts, and SEO/AEO-friendly FAQs.

Model settings

Currency

INR (₹)

PF model

Capped

Built for humans and crawlers. HR can breathe.

Inputs

Enter CTC and tune components. The rest auto-balances.

vFinal

Annual CTC (₹)

Monthly CTC: —

Basic as % of Gross (35–50% typical) 40%

Higher Basic usually increases PF & gratuity cost impact.

HRA as % of Basic (often 40% / 50%) 40%

Employer PF (12% of PF wage) Capped

Capped assumes PF wage limited to ₹15,000/month (common).

Gratuity Enabled

Model uses ~4.81% of Basic as employer cost estimate.

Other employer cost Annual (₹)

Insurance/perks included in CTC.

Smart checks

Flags common structural issues.

Gross salary (annual)

—

Monthly: —

Employer cost (annual)

—

PF + gratuity + other

Employee deductions (annual)

—

Employee PF (simplified)

Estimated in-hand (monthly)

—

Excludes income tax by default

Visual breakdown

Hover for details • Premium visuals • No overlap legends

Responsive canvas

CTC composition (annual)

Donut + hover

Monthly earnings composition

Stacked bar + hover

Basic + HRA + Special = monthly gross. Hover segments to see values.

CTC breakup table

Monthly / Yearly / Combined view.

Component	Monthly (₹)	Yearly (₹)	Type	Notes

CTC check (annual)

—

Special allowance (annual)

—

PF basis

—

Glossary

Short, assistant-friendly definitions.

AEO-ready

CTC

Employer’s total annual cost: gross salary + employer contributions + included benefits.

Gross

Total earnings before employee deductions (PF etc.) and taxes.

In-hand

Take-home pay after deductions (and after tax if applicable).

PF Wage

Salary base used to compute PF. Often capped at ₹15,000/month, or full Basic by policy.

FAQs (India CTC Breakup)

Searchable, scannable, and structured for Google + AI answers.

Topics (comma-separated): —