See exactly how your CTC is structured - Basic, HRA, DA, Special Allowance, PF, and Gratuity - for both Private and Government employees. Monthly & annual view. No sign-up. No data stored.
Enter your CTC to see the full component breakdown - Basic, HRA, PF, Gratuity & more.
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Cost to Company (gross annual package)
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Determines salary structure & components
MonthlyAnnual
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Net Salary (In-Hand)
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Gross Salary
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Total Deductions
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📋 Component Breakdown
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Amount
— How It Works —
How This Calculator Works
Enter your CTC and employment type - get a full salary component breakdown instantly.
1
Enter Your CTC
Type your annual Cost to Company - the total package figure from your offer letter or pay slip.
2
Choose Employment Type
Select Private or Government - the salary structure differs significantly between the two.
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Get Full Breakdown
See every salary component - Basic, HRA, DA, Special Allowance, PF, Gratuity - in one table.
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Switch Monthly / Annual
Toggle between monthly and annual view to plan your expenses and savings with precision.
What Is a Salary Breakup?
A salary breakup (also called a salary structure or pay slip breakdown) shows how your total CTC is distributed across different components - Basic Salary, HRA, Special Allowance, Employer PF, Gratuity, and other allowances. Understanding your salary breakup helps you know exactly what reaches your bank account and what gets deducted.
Most employees only see the final in-hand amount each month without understanding how it was calculated. This calculator makes that structure transparent - so you can negotiate better offers, plan taxes, and optimize your deductions.
CTC, Gross Salary & Net Salary - Key Differences
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CTC
Total employer cost - includes Basic, HRA, allowances, Employer PF, and Gratuity. The highest number, never fully reaches your bank.
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Gross Salary
CTC minus employer-side components (Employer PF, Gratuity). The amount before employee deductions are applied.
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Net (In-Hand) Salary
Gross salary minus Employee PF, income tax (TDS), and professional tax. This is what lands in your bank account.
Private vs Government Salary Structure
🏢 Private Employee
Basic: 40% of CTC
HRA: 40% of Basic Salary
Special Allowance: balancing component
Employer PF: 12% of Basic (CTC component)
Gratuity: 4.81% of Basic (CTC component)
Employee PF: 12% of Basic (deduction)
🏛️ Government Employee
Basic: 50% of CTC
Dearness Allowance (DA): 34% of Basic
HRA: 24% of Basic Salary
NPS Employer: 14% of Basic (CTC component)
NPS Employee: 10% of Basic (deduction)
Other Allowances: balancing component
These are standard percentage breakups used in most Indian companies and government organisations. Actual breakups may vary by employer and pay grade.
PF, Gratuity, and DA are all calculated as a % of Basic. A higher Basic means higher deductions but also higher retirement corpus.
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Gratuity = 4.81% of Basic
Gratuity is part of your CTC but only paid after 5 years of service. It equals (Basic × 15) ÷ 26 per completed year of service.
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HRA Exemption Reduces Your Tax
Under the Old Tax Regime, you can claim HRA exemption if you pay rent - reducing your taxable income significantly.
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Govt DA Revised Twice a Year
Dearness Allowance for Government employees is revised every January and July based on the Consumer Price Index (CPI).
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Special Allowance Is Fully Taxable
Unlike HRA or LTA, Special Allowance is fully taxable under both Old and New Regime - no exemption is available.
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Employer PF & Gratuity Don't Reach Your Bank
These are part of CTC but go to your EPF account and gratuity fund - not your monthly in-hand salary.
FAQ
Frequently Asked Questions
A salary breakup shows how your total CTC (Cost to Company) is distributed across different components - Basic Salary, HRA, DA, Special Allowance, Employer PF, Gratuity, and other allowances. It tells you exactly what each part of your package is, what is deducted, and what finally reaches your bank account each month.
Because CTC includes employer-side costs that never reach your bank - such as Employer PF (12% of Basic) and Gratuity (4.81% of Basic). Additionally, Employee PF (12% of Basic), income tax (TDS), and professional tax are deducted from your gross salary. Together, these deductions typically mean your in-hand salary is 60–75% of your CTC.
For private sector employees, Basic Salary is typically 40–50% of CTC. For government employees, it is usually 50% of CTC. Basic Salary is the core fixed component - all other components like HRA, DA, and PF are calculated as a percentage of Basic, so a higher Basic leads to higher deductions but also a larger retirement corpus.
Special Allowance is a residual or balancing component - it is whatever is left in your CTC after all other defined components (Basic, HRA, Employer PF, Gratuity) are accounted for. It is fully taxable under both Old and New tax regimes - there is no exemption available for Special Allowance. Most private sector employees receive a significant chunk of their salary as Special Allowance.
Private sector salaries use PF (Employee & Employer at 12% of Basic each) and Gratuity (4.81% of Basic). Government employee salaries include Dearness Allowance (DA, currently ~34% of Basic), HRA (24% of Basic in metro cities), and NPS contributions (Employee 10% + Employer 14% of Basic) instead of PF. Government structures are more standardised; private structures vary widely by employer.
Yes. Gratuity is included in your CTC at approximately 4.81% of Basic Salary, but it is not paid monthly. It is a lump-sum payment made by the employer when you leave the job - but only after completing at least 5 years of continuous service. If you leave before 5 years, you generally forfeit the gratuity.
This calculator uses standard industry percentages for salary components - 40% Basic for private employees, 40% HRA on Basic, 12% PF, and 4.81% Gratuity. Actual breakups vary by employer, pay grade, and HR policy. Use this as a reliable estimate and refer to your actual offer letter or HR for the precise structure at your company.
Completely. All calculations run entirely in your browser using JavaScript. No data is transmitted to any server, stored in any database, or shared with any third party. Close the browser tab and all your inputs are gone. We don't even use cookies for the calculator.
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