Salary Breakup Calculator

Complete Guide to Salary Breakup & CTC Structure

Understanding your salary structure is important before accepting a job offer. Many employees focus only on the CTC (Cost to Company), but actual take-home salary can be significantly different.

What is CTC?

CTC represents the total annual expense incurred by an employer. It includes basic salary, HRA, allowances, employer PF contribution, gratuity and performance-based variable pay.

What is In-Hand Salary?

In-hand salary (net salary) is the amount credited to your bank account after deductions like employee PF, professional tax, income tax (TDS), and ESI where applicable.

Important Salary Components Explained

• Basic Salary: Core fixed component used for PF and gratuity calculation.
• HRA: House Rent Allowance calculated as a percentage of Basic salary.
• Provident Fund (PF): Retirement savings contribution by both employer and employee.
• Gratuity: Long-term benefit paid after 5 years of service.
• Variable Pay: Performance-based incentive, not guaranteed monthly income.

Why Use This Salary Breakup Calculator?

• Compare multiple job offers easily
• Understand real take-home pay
• Plan monthly expenses effectively
• Analyze employer contribution cost

This calculator is designed for educational and planning purposes. For exact payroll calculations, consult your HR or payroll department.