Calculate your CTC (Cost to Company) breakdown including basic pay, allowances, deductions, and net take-home salary.
A CTC Calculator is a tool that helps break down the “Cost to Company” (CTC), which is the total amount a company spends on employing an individual in a year, into its detailed components such as Basic Salary, House Rent Allowance (HRA), Leave Travel Allowance (LTA), employer contributions, benefits, and other allowances.
CTC includes salary credited to the account plus all other benefits and contributions made by the employer on behalf of the employee.
Determine Basic Salary
Usually 40%-50% of CTC. Example: ₹6,00,000 × 45% = ₹2,70,000.
Calculate HRA
Typically 40% of Basic for metro cities. Example: ₹2,70,000 × 40% = ₹1,08,000.
Compute Other Allowances
DA, LTA, Bonus, Medical, etc.
Factor in Employer Contributions
PF 12% of Basic, Gratuity 4.81% of Basic.
Adjust for Special Allowances
Remaining CTC after all components.
Add Statutory Deductions & Benefits
Insurance, professional tax, welfare schemes.
Final Calculation
Sum of all components = Total CTC.
Derive Net Take-Home Salary
Gross Salary − (Employee PF + Income Tax + Professional Tax).
| Component | Annual Value Example (₹) |
|---|---|
| Basic Salary | 2,70,000 |
| HRA | 1,08,000 |
| DA | 30,000 |
| Bonus | 30,000 |
| Medical Allowance | 12,000 |
| Employer PF | 32,400 |
| Special Allowance | 1,17,600 |
| Total CTC | 6,00,000 |
Note: These calculations are illustrative. Actual salary structure may vary based on company policies, location, and other factors.