CTC Calculator

See how your CTC breaks down into basic salary, HRA, PF, and gratuity.

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A standard breakdown assumption — actual CTC structures vary significantly between companies.

Basic Salary

₹6,00,000

HRA

₹3,00,000

Employer PF Contribution

₹72,000

Gratuity

₹28,860

Other Allowances

₹1,99,140

What is a CTC Calculator?

CTC (Cost to Company) is the total amount a company spends on you annually — it's a bundle of several components, not a single cash figure. This calculator breaks a given CTC down into its typical components: basic salary, HRA, employer PF contribution, gratuity, and other allowances.

Understanding this breakdown helps you see why your in-hand salary is lower than your CTC, and gives you a clearer basis for negotiating an offer.

Typical CTC Components

  • ✓Basic Salary — usually the largest fixed component, and the base for other calculations like PF and gratuity.
  • ✓HRA — House Rent Allowance, partly tax-exempt if you pay rent (Old Regime only).
  • ✓Employer PF & Gratuity — retirement benefits that build up over your tenure but aren't paid monthly.

Frequently Asked Questions

Is this breakdown the same at every company?+

No — this uses standard industry assumptions. Actual CTC structures vary; check your specific offer letter or payslip for exact percentages.

Does a higher basic salary always mean more take-home pay?+

Not necessarily — a higher basic increases PF and gratuity contributions too, which reduces immediate take-home even though it builds long-term retirement savings.

What's the difference between CTC and gross salary?+

Gross salary is roughly your CTC minus the employer's PF contribution and other non-cash components — it's closer to what shows on your payslip before deductions.