01
Enter your CTC
Add your annual CTC, the Basic percentage your employer uses, and any bonus within the CTC.
Salary Breakup Calculator
Split your CTC into Basic, HRA, PF, gratuity and take-home.
Updated Reviewed by Sajid Hussain· Editor
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Results update in real time as you type — no submit needed.
Your numbers
Salary Breakup bills sellers in Indian Rupee (INR), so this calculator works in INR — not your selected US Dollar ($). Every figure below matches your real Salary Breakup statement. Localised USD marketplaces are coming soon.
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Last updated
June 15, 2026
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India Salary Tool
What Is a Salary Breakup Calculator?
A salary breakup calculator splits your CTC into its parts — Basic, HRA, employer and employee PF, gratuity and special allowance — and shows the monthly take-home before tax, so you can read your offer letter and payslip with confidence.
**It reveals the structure behind the CTC.** Basic drives everything: HRA, PF and gratuity are all set as percentages of it. The calculator applies the standard rules so you see exactly how a CTC is built.
**It separates CTC from in-hand.** Employer PF and gratuity sit in CTC but never reach your salary. The calculator strips them out to show gross pay, then deducts employee PF and professional tax for the take-home.
**It shows the Basic trade-off.** A higher Basic means more PF, gratuity and HRA exemption — better for the long term — but less monthly cash. Change the Basic % and watch the structure shift.
**It stops before income tax.** This is the structure view. For the after-tax take-home under the new or old regime, the calculator points you to the In-Hand Salary tool.
Quick facts
- Basic
- 40–50% of CTC
- HRA
- 50% / 40% of Basic
- PF (each side)
- 12% of Basic
- Gratuity
- 4.81% of Basic
- Special allowance
- The balancer
- Free to use
- No sign-up needed
How It Works
See Your Salary Breakup in Three Steps
02
Set the structure
Choose metro or non-metro HRA, how PF is computed, and your state professional tax.
03
See the components
See Basic, HRA, PF, gratuity, special allowance, gross, and the monthly take-home before tax.
Steps to use the Salary Breakup Calculator: Enter your CTC, Set the structure, See the components.
The Formula
How the Salary Breakup Is Worked Out
01
Core components
Basic = basic% × CTC ; HRA = 50%/40% × Basic
Basic is a share of CTC; HRA, PF (12%) and gratuity (4.81%) are all set on Basic.
Example: 50% × ₹12,00,000 = ₹6,00,000 Basic
02
Special allowance
Special = CTC − Basic − HRA − employer PF − gratuity − bonus
The fully taxable balancing figure that makes the components add up to the CTC.
Example: ₹12,00,000 − the rest = ₹1,99,140
03
Take-home (pre-tax)
Take-home = gross − employee PF − professional tax
Gross is CTC minus employer PF and gratuity; the deductions give the take-home before income tax.
Example: ₹10,99,140 − ₹74,400 = ₹10,24,740/yr
Worked Example
Walkthrough (₹12L CTC, 50% Basic, metro)
Currency note: the example below uses a benchmark scenario priced in Indian Rupee (INR). Values are converted to US Dollar (USD) at the latest exchange rate so you can compare against your own numbers.
Scenario
A ₹12 lakh CTC with Basic at 50%, in a metro city, with PF on full Basic and ₹2,400 professional tax.
1
Step 1 · Core components
Basic is 50% of CTC; HRA is 50% of Basic; PF is 12% and gratuity 4.81% of Basic.
Basic = $600,000.00, HRA = $300,000.00
2
Step 2 · Special allowance
What is left of the CTC after Basic, HRA, employer PF and gratuity is the special allowance.
Special = $199,140.00
3
Step 3 · Take-home
Gross ($1,099,140.00) less employee PF and professional tax gives the monthly take-home before tax.
Take-home = $85,395.00/mo
The takeaway
A ₹12 lakh CTC at 50% Basic gives ₹6,00,000 Basic, ₹3,00,000 HRA and a ₹85,395 monthly take-home before income tax — with ₹72,000 of employer PF and ₹28,860 of gratuity sitting in CTC, not in your salary.
Rules of thumb
Typical Salary Structure Norms
| Metric | Poor | Average | Good | Excellent |
|---|---|---|---|---|
Basic Drives PF, gratuity, HRA | 40–50% of CTC | |||
HRA Metro / non-metro | 50% / 40% of Basic | |||
PF (each side) Capped at ₹15,000 wage if chosen | 12% of Basic | |||
Take-home After PF, PT and tax | ~65–75% of CTC |
Comparison
Calcrux vs Generic Salary Calculators
| Feature | Calcrux (Free) | Generic | HR Tool |
|---|---|---|---|
| Full component breakup | |||
| Adjustable Basic % | |||
| Metro vs non-metro HRA | |||
| PF full-basic vs ₹15k cap option | |||
| Separates CTC, gross and take-home | |||
| No sign-up or login | |||
| Free |
Common Mistakes
Salary Structure Mistakes to Avoid
Treating CTC as take-home
Why it matters
CTC includes employer PF and gratuity you never receive in salary, so in-hand is much lower than the CTC figure.
Fix
Read the gross and take-home figures here, not just the CTC, before judging an offer.
Ignoring the Basic percentage
Why it matters
A very low Basic shrinks your PF, gratuity and HRA exemption — hurting savings and tax even if in-hand looks higher.
Fix
Aim for Basic around 40–50% of CTC; the calculator shows how it shifts the structure.
Forgetting income tax
Why it matters
This take-home is before tax. The actual in-hand is lower once the new or old regime is applied.
Fix
Run the In-Hand Salary calculator to apply tax and see the real monthly figure.
Comparing two offers by CTC alone
Why it matters
Two equal CTCs can have very different in-hand pay and benefits depending on the structure.
Fix
Break up both offers and compare gross, take-home and the PF/gratuity split.
Overlooking the HRA exemption
Why it matters
A higher Basic raises HRA, but the tax-free part depends on your actual rent — not the HRA in the structure.
Fix
Use the HRA calculator with your rent to find the exempt amount.
Pro Tips
Read Your Salary Structure Smartly
Negotiate on take-home
Two offers with the same CTC can differ in in-hand pay. Compare the take-home, not just the headline CTC.
A higher Basic builds savings
More Basic means more PF and gratuity — forced long-term savings — at the cost of slightly lower monthly cash.
Match HRA to your rent
HRA only saves tax up to your actual rent. If you pay little rent, a high HRA gives little exemption.
Check the PF basis
Some employers cap PF at the ₹15,000 wage (₹1,800/month); others use full Basic. It changes both PF and in-hand.
Then run the tax
Use this for the structure, then the In-Hand Salary calculator for the after-tax take-home under your regime.
Who Uses This
Who Uses This Salary Breakup Calculator
The Salary Breakup Calculator works across every stage of the workflow.
Job offer evaluators
Someone with a new offer breaks the CTC into components to see the real in-hand and benefits.
Negotiating candidates
A candidate compares two offers of equal CTC by their structure and take-home.
Employees reading a payslip
A salaried worker checks how their CTC maps to Basic, HRA, PF and gratuity.
HR and founders
An HR or founder designs a salary structure that fits a target CTC and in-hand.
Home loan / rent planners
Someone checks their Basic and HRA to plan an HRA claim or a home-loan application.
Glossary
Key Salary Structure Terms
Every important term you'll encounter in this calculator and the broader topic.
- CTC
- Cost to Company — the employer's total annual spend on you, including employer PF and gratuity that are not paid in salary.
- Basic Pay
- The fixed core of the salary, usually 40–50% of CTC. PF, gratuity and HRA exemption are all calculated on it.
- HRA
- House Rent Allowance — typically 50% of Basic in metros, 40% elsewhere. Its tax-exempt part depends on actual rent.
- Special Allowance
- The fully taxable balancing component that makes the listed parts add up to the CTC.
- Gross Salary
- CTC minus employer PF and gratuity — the salary paid to you, before employee deductions.
- Take-Home
- Gross salary minus employee PF, professional tax and income tax — the amount that reaches your bank.
Help & answers
Frequently asked questions
Everything you need to know about how the Salary Breakup Calculator works.
01What is a salary breakup calculator?
It splits your annual CTC into its components — Basic, HRA, employer and employee PF, gratuity and special allowance — and shows the monthly take-home before income tax. It is the structure behind your offer letter and payslip.
02How is salary broken up from CTC?
Basic is set as a percentage of CTC (usually 40–50%). HRA is 50% of Basic in metros (40% elsewhere), PF is 12% of Basic, and gratuity is 4.81% of Basic. Special allowance is whatever is left of the CTC after these.
03What is the difference between CTC, gross and take-home?
CTC is the employer's total cost, including employer PF and gratuity. Gross salary is CTC minus those, paid to you. Take-home is gross minus employee PF, professional tax and income tax — what reaches your bank.
04What percentage of CTC should Basic be?
Typically 40–50%. A higher Basic increases PF, gratuity and your HRA exemption (good for long-term savings and rent claims) but lowers monthly in-hand pay, since more goes to PF.
05How much HRA do I get in my salary?
Employers usually set HRA at 50% of Basic for metro cities and 40% for non-metros. That is the HRA in your structure; the tax-exempt part is calculated separately from your actual rent.
06Is employer PF part of my salary?
It is part of CTC but not paid in your monthly salary — it goes into your EPF account. Both employer and employee contribute 12% of Basic, so a higher Basic builds a bigger retirement corpus.
07What is the special allowance in a salary breakup?
It is the balancing figure — CTC minus Basic, HRA, PF, gratuity and bonus. It is fully taxable and has no statutory rules, so employers use it to fit the structure to the CTC.
08How is gratuity calculated in CTC?
Many employers accrue gratuity at 4.81% of Basic each year (15/26 of a month's Basic). It is part of CTC but is actually paid only after you complete five years of continuous service.
09Does this calculator include income tax?
No — the take-home it shows is before income tax. It focuses on the salary structure. To apply the new or old regime and see your after-tax pay, use the In-Hand Salary calculator.
10Is professional tax part of the breakup?
Yes, as a deduction. Professional tax is a state levy on salary, capped at ₹2,500 a year. It is deducted from gross pay along with employee PF before you receive your take-home.
11Why is my in-hand lower than my CTC suggests?
Because CTC includes employer PF and gratuity you never see in salary, and your take-home is further reduced by employee PF, professional tax and income tax. In-hand is often 65–75% of CTC.
12Is this salary breakup calculator free and accurate?
Yes — it is free, needs no sign-up, and uses standard rules: 12% PF, 4.81% gratuity, and 50/40% HRA. The structure mirrors typical Indian offers; confirm the exact split with your employer's payslip.
Category
India Business Operations
Subcategory
salary take home
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Region-specific
Price
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Topics
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