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CTC Breakup Calculator

Turn an annual CTC figure into a compliant earnings-and-deductions split — Basic at 50%, HRA, PF, and gratuity provisioning, all live.

100% local — employee data never leaves your browser Free through 15 Aug 2026

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CTC
Employee
CTC breakup — Rahul Verma
Monthly basis · Annual CTC ₹0
Basic (50% of gross)₹0
HRA (40% of Basic)₹0
Special allowance₹0
Monthly gross₹0
Employee PF (12%)−₹0
Monthly take-home₹0

Employer contributions (part of CTC, not paid to employee)

Employer PF (12%)₹0
Gratuity provision (4.81%)₹0
Compiling…
Basic ≥ 50% of CTC HRA 40% of Basic PF 12% employee + employer Gratuity provisioning

How it works

01

Fill

Enter company and employee details, or click "Try with sample data."

02

Calculate locally

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03

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Get a clean, branded, print-ready PDF. Nothing is stored on any server.

All calculations run in your browser. Employee PAN, UAN, bank details — nothing is uploaded. Close the tab and the data is gone.

Frequently asked

Why is Basic set at a fixed share of CTC?

The Code on Wages, 2019 requires Basic plus Dearness Allowance to be at least 50% of total CTC. This tool applies that floor by default so the breakup you see is compliant from the start.

What's the difference between CTC and take-home pay?

CTC includes everything the company spends on you — including its own PF contribution and gratuity provisioning, which you never see in hand. Take-home is your monthly gross minus your own PF deduction.

Does this account for Professional Tax or TDS?

This calculator focuses on the CTC-to-gross split. For a payslip with PT, TDS and ESI applied, use the Salary Slip Generator alongside this tool.

Can I use this for offer letter CTC breakdowns?

Yes — many businesses attach this exact breakup to an offer letter so a candidate can see how their annual figure translates to monthly take-home.