Understand your complete salary structure - from total CTC to monthly take-home pay. Calculate every component of your offer letter including gross salary, all deductions, and net pay. Free, no sign-up required.
Input your annual CTC or manually enter each salary component - basic salary, HRA, allowances, and variable pay.
Enter all applicable deductions including provident fund contributions, professional tax, income tax, and health insurance premiums.
Instantly see your gross salary, total deductions, and monthly take-home pay with a complete component-level breakdown and downloadable PDF summary.
Enter at least the Basic Salary in the Fixed Pay tab, then click Calculate CTC Breakup
A CTC (Cost to Company) Breakup is the complete itemisation of every element that makes up an employee's total annual compensation package. Core CTC Formula: CTC = Fixed Pay + Variable Pay + Employer Contributions + Benefits & Allowances Gross Salary Formula: Gross Salary = Basic Salary + HRA + Transport Allowance + Special Allowance + Performance Bonus + Other Fixed Allowances Net Take-Home Salary Formula: Net Salary = Gross Salary - Total Deductions Total Deductions = Employee PF + Professional Tax + Income Tax (TDS) + Health Insurance Premium + Other Deductions Total Employer Cost (CTC): CTC = Gross Salary + Employer PF + Gratuity Provision + Health Insurance (Employer Share) + Other Employer Contributions
According to Mercer's Global Compensation Trends Report and SHRM's Compensation Best Practices data (2026), a well-structured CTC typically allocates: - Basic Salary: 35% - 50% of total CTC - HRA: 40% - 50% of Basic Salary - Transport / Conveyance Allowance: 5% - 10% - Special Allowance: Residual (flexible, taxable) - Performance / Variable Bonus: 10% - 30% - Employer PF / Pension Contribution: ~12% of Basic - Gratuity Provision: 4.81% of Basic - Health / Medical Insurance: Fixed annual premium (employer-sponsored)
A CTC (Cost to Company) breakup is a detailed itemisation of all components that make up an employee's total annual compensation package. It includes fixed salary components (basic, HRA, allowances), variable pay (bonus, incentives), employer statutory contributions (provident fund, gratuity), and benefits (health insurance, life cover). The CTC breakup helps both employers and employees understand the full value of a compensation package and calculate the actual take-home pay.