CTC Breakup Calculator
Enter an annual CTC and get a standard Indian salary structure — basic, HRA, employer PF, gratuity and special allowance — with annual and monthly figures, ready for an offer letter.
Monthly gross salary
₹91,595
Annual gross salary
₹10,99,140
Salary structure
| Component | Annual | Monthly |
|---|---|---|
| Basic (50% of CTC) | ₹6,00,000 | ₹50,000 |
| HRA (50% of basic) | ₹3,00,000 | ₹25,000 |
| Special allowance (balancing) | ₹1,99,140 | ₹16,595 |
| Gross salary | ₹10,99,140 | ₹91,595 |
| Employer PF (12% of basic) | ₹72,000 | ₹6,000 |
| Gratuity (4.81% of basic) | ₹28,860 | ₹2,405 |
| Total CTC | ₹12,00,000 | ₹1,00,000 |
Indicative structure for offer-letter drafting only — components and percentages vary by company policy, and some companies cap employer PF at ₹1,800/month (12% of a ₹15,000 statutory base) instead of 12% of full basic. Gratuity is payable per the Payment of Gratuity Act regardless of whether it is shown inside CTC. This is not tax or legal advice.
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