Turn an annual CTC or a gross salary into a clear cost-to-company breakdown, basic, allowances, employer contributions and net take-home, tailored to your country’s payroll norms, in seconds. Free to try, no sign-up for a first estimate.
Enter the offer, the AI builds the structure:
Your result appears here
See the full cost behind any offer, and the in-hand behind any CTC, in seconds.
Either the CTC you have budgeted, or the gross you want to pay.
Basic-pay split, allowances and any variable pay.
Employer contributions, gratuity or severance provision and benefits stack on top of gross to form the CTC.
Total CTC, in-hand net, and the gap between them, itemised line by line.
The breakdown follows the country you pick. Where the maths must be exact, major markets run fixed statutory logic instead of a rough estimate.
Works across 190+ countries. Pick a country and the calculator loads the employer on-costs that apply in that market.
For major markets it uses fixed statutory logic for contributions and deductions, so the same inputs give the same repeatable split every time.
Model forward from gross to full CTC, or backward from a target CTC to the likely in-hand. The tool handles either.
It separates what you pay from what comes off the employee's side, so nobody confuses total cost with take-home.
Building a hiring budget who need the loaded cost of a role, not just the salary line.
Structuring an offer and explaining the CTC-to-in-hand gap to a candidate.
Handed a big CTC number and wanting to decode it into a monthly reality.
Advising clients on compensation design and salary breakups without rebuilding a spreadsheet.
Cost to company is a global idea, the total a company spends on an employee in a year, most of which never lands in their account. Grossis the pay before deductions, and take-home is what actually reaches the bank once mandatory contributions and tax come off. The three are almost never the same number, which is why a headline CTC can be misleading on its own.
The pieces that stack on top of gross to form the CTC differ from one market to the next: employer retirement and gratuity contributions in India, employer Social Security in the US, employer National Insurance and pension auto-enrolment in the UK, and end-of-service gratuity in the UAE. Pick your country in the tool to load the right components. The example below uses India:
| Component | Whose cost | Reaches the bank? |
|---|---|---|
| Basic + allowances (gross) | Employer | Yes, minus deductions |
| Employer PF (12% of basic) | Employer | No, goes to the employee’s PF |
| Gratuity provision (~4.81% of basic) | Employer | No, paid on exit, conditions apply |
| Insurance / benefits | Employer | No, a benefit, not cash |
| Employee PF, ESI, PT, income tax | Employee | No, deducted from gross |
A headline CTC never arrives as a clean monthly figure. Between employer contributions added on top and employee deductions taken off the bottom, the in-hand is meaningfully lower, and the exact gap depends on the basic-pay split, because contributions like PF and gratuity are calculated on basic rather than total gross. You can also work backward: enter a target CTC and the tool shows the likely in-hand, so you can shape an offer with eyes open. Either way, the calculator makes the whole waterfall visible in one view.
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Please note: Results are AI-generated estimates and can contain errors. Check important figures, tax, statutory rates and pay, against an official source before you rely on them. This is guidance, not legal, tax or payroll advice.
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What is Cost to Company (CTC)?
The full cost an employer bears for an employee, salary plus benefits, taxes, statutory contributions and other liabilities. This tool breaks it down by location and employment type.
How is CTC different from take-home pay?
CTC is the employer's total cost; take-home is what the employee receives after deductions. The two differ by employer contributions and taxes.
Can I use it across countries?
Yes. The breakdown adapts to the country and employment type you choose.
Is the breakdown downloadable?
Yes, export the full CTC split as a PDF or editable Word document.
