CTC break-up calculator
Enter the annual CTC and how you split basic and HRA to see a monthly break-up and the take-home before tax.
50% or more is the safer choice under the labour codes.
40% non-metro, 50% metro, as a rule of thumb.
- Monthly CTC
- ₹1,00,000
- Basic
- ₹50,000
- HRA
- ₹20,000
- Special allowance
- ₹21,595
- Gross monthly pay
- ₹91,595
- Employer PF (in CTC)
- ₹6,000
- Gratuity provision (in CTC)
- ₹2,405
- Employee PF
- ₹6,000
- Take-home before tax
- ₹85,595
An estimate from the standard formula, not advice. Rates, ceilings and rules change, and your contract or state rules can change the result. Confirm with a qualified professional before relying on a figure.
How it is worked out
- Basic is a share of CTC. HRA is a share of basic. Employer PF is on basic, optionally limited to the ₹15,000 ceiling. Gratuity is provisioned at about 4.81% of basic.
- Special allowance is what is left after the other parts. Take-home here is before income tax and professional tax.
- Under the labour codes, wages are expected to be at least half of total remuneration, which is why the default basic is 50%.
CTC is the full yearly cost to the employer, including contributions such as employer PF and gratuity. Take-home is what reaches the employee after the employee's deductions, and income tax comes off that too.
PF, gratuity and some other benefits are worked out on basic, so a higher basic raises those benefits and lowers the take-home.