Free tool
India CTC breakdown calculator
Split an India CTC (cost to company) figure into indicative components and a rough in-hand. Every rate below is an assumption you can edit, because the right split depends on your case.
The link carries your figures in the address itself. Nothing is stored on our side.
The split, line by line
| Line | Per month | Per year |
|---|---|---|
| Enter a CTC to see the split. | ||
How the split is worked out
Every step, in the open, so you can rebuild it in a spreadsheet and disagree with it if you want to. A calculator you cannot check is an ad, and one that quotes a slab it did not ask you for is worse.
The components, and the line that absorbs the rest
Basic is your basic percent of CTC. HRA (house rent allowance) is your HRA percent of that basic. Employer PF (provident fund) and the gratuity provision are each a percent of basic and are counted as employer cost inside CTC; if you set provident fund to not apply, both the employer and the employee PF lines drop to zero. Other allowances are the balancing figure: CTC minus basic, minus HRA, minus employer PF, minus the gratuity provision. If your percentages push those fixed items above the CTC, the other-allowances line shows zero rather than a negative number, and the tool warns you that the assumptions do not fit.
Gross pay, then the deductions you named
The rough in-hand starts from gross pay in the payslip, which is CTC minus the employer PF and minus the gratuity provision, because both are employer costs rather than money paid to the employee. From that it subtracts employee PF (your employee-PF percent of basic) and any other monthly deductions you enter for income tax and professional tax. Monthly figures are the annual figures divided by twelve, which is a convenient average rather than a payslip: a real month is prorated by payable days, which is what the payable days calculator is for.
What this tool does not know
Any statutory rate, ceiling, threshold or slab. It publishes none, and every percentage on this page arrived there because you typed it or left our neutral starting figure in place. Income tax depends on the regime, declarations, investments and perquisites, none of which this tool models, so treat the in-hand figure as a rough starting point rather than a prediction. It is not payroll, not tax advice and not a substitute for a qualified professional.
For how this fits real payroll, see the payroll module and the guide to statutory payroll in India. Capstan does not compute statutory payroll. It compiles your payroll inputs and hands a documented export to your payroll partner, who does the statutory maths.
Questions with complete answers
Is this an official payroll or tax calculation?
No. It is an educational estimate built from the assumptions you enter. Statutory rates, thresholds and eligibility rules change over time and vary by state, by employer and by the individual employee. Treat every figure here as indicative and confirm the exact numbers with a qualified professional or the official source before you rely on them.
Why are the rates editable instead of fixed?
Because there is no single correct split. How much of CTC is basic, whether provident fund applies and at what wage ceiling, how gratuity is provisioned, and what an employee actually takes home all depend on the specific case. Fixed numbers would look authoritative and be wrong for most people. Editable assumptions let you match the tool to your own situation, and they keep this page honest: nothing in the result comes from a rate we published.
I am not hiring in India. Is there an equivalent?
Yes. Cost to company is India vocabulary and this tool is built around it, so it will not serve you well elsewhere. The employee cost estimator on this site answers the same question in a country-neutral way: you name each employer cost line yourself, in your own currency, and it builds a fully loaded cost and a multiplier on salary. It publishes no rates either, for the same reason.
Why does the in-hand figure not match my payslip?
Because income tax is the largest single reason two people on the same CTC take home different amounts, and this tool does not model it. Regime choice, declarations, investments, perquisites, previous employment in the same year and the timing of deductions across the year all move the number. The other-deductions field is where you put your own estimate, and until you do, the in-hand figure is a ceiling rather than a prediction.
Does Capstan run payroll?
No. Capstan does not compute statutory payroll. It compiles your payroll inputs and hands a documented export to your payroll partner, who does the statutory maths. This calculator is a learning aid, not a payroll engine, and nothing it shows is produced or filed by Capstan.
A split is a guess until the inputs are on a record someone maintains.