Salary / CTC Breakup Calculator

⚡ In shortUnderstand what your Cost-to-Company actually contains — this free calculator splits your CTC into a typical structure of basic, HRA, allowances, PF and approximate in-hand pay. Using a common model, basic is taken as 50% of CTC, HRA as 50% of basic for metros (40% non-metro), employer PF as 12% of basic and gratuity at 4.81% of basic, with the remainder as special allowance. Approximate in-hand (before income tax) is basic + HRA + special allowance minus your own PF. Actual structures vary by employer.

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How it is calculated

Using a common model, basic is taken as 50% of CTC, HRA as 50% of basic for metros (40% non-metro), employer PF as 12% of basic and gratuity at 4.81% of basic, with the remainder as special allowance. Approximate in-hand (before income tax) is basic + HRA + special allowance minus your own PF. Actual structures vary by employer.

Frequently asked questions

Why is my in-hand lower than my CTC?

CTC includes the employer's PF and gratuity contributions and other benefits that you don't receive monthly. After PF and income-tax (TDS), your take-home is lower than CTC.

Is the 50% basic rule fixed?

No — it is a common convention, but each employer structures salary differently. This calculator gives an indicative split, not your exact payslip.

How is income tax deducted from salary?

Employers deduct TDS monthly based on your estimated annual income and the regime/declarations you choose. Use our income tax calculator to estimate it.