CTC Breakup Calculator India
Convert monthly CTC into gross salary, employer PF, employer ESI and approximate in-hand pay.
CTC is gross salary plus employer contributions. This calculator back-solves from CTC to gross, splits gross into basic, HRA and special allowance, and shows employer PF (12% of basic up to ₹15,000) and employer ESI (3.25% if gross ≤ ₹21,000).
Cost-to-Company (CTC) is the total amount the employer spends on an employee in a month. It includes the gross salary the employee sees, plus the employer's statutory contributions.
This calculator estimates the gross salary from CTC by accounting for employer PF and employer ESI. It then splits gross into basic, HRA and special allowance and estimates the employee's in-hand pay.
How the calculation works
- Start with CTC: total employer cost.
- Back-solve to gross: because PF and ESI depend on gross, the calculator iterates until gross + employer PF + employer ESI equals CTC.
- Split gross: basic 50%, HRA 20%, special allowance the remainder.
- Employer PF: 12% of basic, capped at ₹15,000 basic.
- Employer ESI: 3.25% of gross if gross is ₹21,000 or below.
- Approximate in-hand: gross minus employee PF and employee ESI. Income tax and PT are not included in this estimate.
Worked example
CTC ₹30,000. After back-solving, gross ≈ ₹27,000. Basic = ₹13,500, HRA = ₹5,400, special = ₹8,100. Employer PF = ₹1,620, employer ESI = ₹0 (gross above threshold). Employee PF = ₹1,620, employee ESI = ₹0. Approx in-hand ≈ ₹25,380 before TDS and PT.
Frequently asked questions
- Is CTC the same as gross salary?
- No. CTC is the employer's total cost, which includes gross salary plus employer PF, ESI and other benefits.
- Why does the calculator iterate to find gross?
- Because employer PF and ESI depend on gross salary, gross must be estimated from CTC by solving backwards.
- Does this include variable pay or bonus?
- No. It is a monthly fixed-pay estimate. Bonus, incentives and reimbursements are not part of this calculation.