CTC CALCULATOR
See A Monthly Payslip Breakup From One Annual CTC Number.
An annual CTC is not what reaches the bank account. Enter one to see an illustrative monthly breakup of Basic, HRA, special allowance, employee PF and take-home, using common CTC-structuring conventions.
CALCULATOR
Estimate Your Monthly Breakup
Enter your total yearly Cost to Company
Affects the standard HRA percentage used below
Illustrative estimate using common CTC-structuring conventions (40% Basic, statutory PF ceiling). Excludes income tax. Not tax or legal advice — actual breakup depends on your employer's policy.
EARNINGS
DEDUCTIONS
Employer also pays (part of CTC, not deducted from you)
REFERENCE
What Each Component Means
What each component in the calculator means, and how it's derived.
Basic
Assumed at 40% of monthly CTC — the common structuring convention.
HRA
50% of Basic in metro cities, 40% of Basic in non-metro cities.
Employee PF
12% of Basic, capped at the ₹15,000/month statutory wage ceiling.
Employer PF Burden
12% PF + 0.5% admin charge + 0.5% EDLI, capped at the same wage ceiling.
Special Allowance
The balancing figure — CTC minus Basic, HRA and the employer's PF burden.
Professional Tax
A flat ₹200/month illustrative figure — actual PT is state-specific.
STRUCTURING SNAPSHOT
Common CTC Splits, At A Glance
A sample view of CTC bands and component splits — illustrative data, not customer data.
CTC Band Distribution
Popular Component Splits
FAQ
CTC Calculator — Questions We Get Asked
No. It is an illustrative estimate built on common CTC-structuring conventions (40% Basic, statutory PF ceiling) and it excludes income tax. Your actual breakup depends on your employer's salary structure policy.
HRA is commonly structured at 50% of Basic in metro cities and 40% of Basic in non-metro cities. Choose the city type and the calculator applies that percentage.
The employer pays 12% PF plus a 0.5% administrative charge plus 0.5% EDLI, capped at the ₹15,000/month statutory wage ceiling. It counts towards your CTC but is not deducted from your take-home.
Not as a fixed formula. This calculator uses common conventions for a quick estimate. In BizzField HRMS payroll, each employee's breakup comes from the salary structure assigned to them, and every pay run applies current statutory rates.
Because 40% is a common structuring convention, not a rule. Your employer may set a different split.
No. It uses a fixed 40% Basic and applies the PF ceiling to Basic. Under the Code on Wages, in effect since 21 November 2025, non-wage allowances above 50% of total remuneration count as wages for PF and gratuity, so a structure built to that rule can differ from this estimate. BizzField payroll applies the rule automatically.
It is an illustrative figure, so the take-home shows a Professional Tax deduction. Professional Tax is set by each state, so your actual slab depends on your work location.
Turn This Estimate Into An Automated Pay Run
See how BizzField HRMS applies each employee's salary structure in a draft-to-paid pay run, with variance checks and an audit trail.