Nexova

Nexova

Beyond Management

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CTC Salary Breakup Calculator

Split annual CTC into Basic, HRA, special allowance, PF, ESI, and take-home estimate.

Estimates only — not legal, tax, or payroll advice. Verify with a professional for filings.

Monthly CTC₹50,000.00
Basic₹20,000.00
HRA₹8,000.00
Special allowance₹22,000.00
PF (employee 12%)₹1,800.00
PF (employer 12%)₹1,800.00
Gross (pre-PF)₹50,000.00
Est. take-home (ex tax)₹48,200.00

Simple illustrative breakup. Real structures vary by company policy, PT, ESI, and tax.

About this salary breakup

A CTC breakup helps employers and employees understand how annual cost to company may translate into monthly Basic, HRA, allowances, statutory contributions, and estimated take-home pay. This estimator is designed for Indian salary planning and uses editable percentages so it can reflect different company policies.

How it works

The calculator converts annual CTC to a monthly figure, applies your selected Basic percentage, calculates HRA as a percentage of Basic, estimates PF on the selected wage ceiling, and treats the balance as special allowance. Actual take-home can differ after professional tax, income tax, insurance, bonuses, and employer benefits.

  1. Step 1Enter annual CTC.
  2. Step 2Adjust Basic, HRA, and PF ceiling.
  3. Step 3Review monthly components and estimated take-home.

Frequently asked questions

Is CTC the same as take-home salary?
No. CTC can include employer PF, benefits, gratuity, and other costs that are not paid as monthly cash.
What Basic salary percentage should I use?
Many Indian structures use 40% to 50% of gross or CTC, but the correct percentage depends on company policy and compliance.