Cost to Company Calculator with Reverse Calculator
✓ CTC to In-Hand - Calculate take-home from CTC
✓ In-Hand to CTC - Find required CTC (Unique!)
✓ Complete breakdown with PF, Tax, Bonus
Calculate CTC to In-Hand or In-Hand to Required CTC
Monthly In-Hand Salary
₹90,795
Annual: ₹10,89,540
CTC
₹12,00,000
Gross
₹11,78,400
Deductions
₹88,860
Tax
₹64,760
💼 CTC Breakdown
| Basic | ₹6,00,000 |
| HRA | ₹3,00,000 |
| Special Allowance | ₹2,78,400 |
| Employer PF | ₹21,600 |
| Total CTC | ₹12,00,000 |
💸 Deductions
| Gross Salary | ₹11,78,400 |
| Employee PF | -₹21,600 |
| Professional Tax | -₹2,500 |
| Income Tax | -₹64,760 |
| Take-Home | ₹10,89,540 |
Monthly Gross
₹98,200
Monthly Deductions
-₹7,405
Monthly In-Hand
₹90,795
💡 How it works:
CTC (Cost to Company) is the total annual cost incurred by a company for an employee. It includes gross salary, employer contributions (PF, insurance, etc.), bonuses, and perks. CTC is NOT the same as take-home salary.
Our unique calculator offers two modes: Calculate in-hand from CTC (standard), and calculate required CTC from desired in-hand salary (reverse calculator - unique feature!). Includes complete breakdown with basic, HRA, special allowance, employer PF, employee PF, income tax, and professional tax.
Basic Salary = CTC × Basic % (typically 40-60%)
HRA = Basic × HRA % (typically 40-50%)
Employer PF = min(Basic/12, ₹15,000) × 12% × 12
Bonus = CTC × Bonus % (if applicable)
Special Allowance = Gross - Basic - HRA
Total CTC = Basic + HRA + Special Allowance + Employer PF + Bonus
Given:
• Annual CTC: ₹12,00,000
• Basic: 50% = ₹6,00,000
• HRA: 50% of Basic = ₹3,00,000
• Employer PF: ₹21,600 (12% of ₹15K × 12)
Calculation:
Gross = CTC - Employer PF = ₹12,00,000 - ₹21,600 = ₹11,78,400
Special Allowance = ₹11,78,400 - ₹6,00,000 - ₹3,00,000 = ₹2,78,400
Employee PF = ₹21,600
Income Tax (New Regime) = ~₹81,734
Professional Tax (MH) = ₹2,500
Result:
Annual Take-Home: ₹10,72,566
Monthly In-Hand: ₹89,381
(89.4% of CTC = Take-home)
Question: If I want ₹80,000/month in-hand, what CTC should I ask for?
Process: Reverse engineer CTC by accounting for all deductions
Our calculator iteratively finds the exact CTC needed to achieve your desired in-hand salary after all deductions (PF, Tax, PT).
Result: Required CTC ≈ ₹13.5-14L for ₹80K/month in-hand
| Component | Typical % | Description | Who Pays |
|---|---|---|---|
| Basic Salary | 40-60% | Core fixed salary component | Employee receives |
| HRA | 40-50% of Basic | House Rent Allowance | Employee receives |
| Special Allowance | Variable | Remaining after Basic + HRA | Employee receives |
| Employer PF | 12% of Basic | Max ₹1,800/month (₹21,600/year) | Part of CTC, not in-hand |
| Employee PF | 12% of Basic | Deducted from salary | Employee contribution |
| Bonus | 0-20% | Performance/Annual bonus | Part of CTC (if applicable) |
| Annual CTC | Basic (50%) | Gross Salary | Annual Take-Home | Monthly In-Hand | % of CTC |
|---|---|---|---|---|---|
| ₹6L | ₹3,00,000 | ₹5,78,400 | ₹5,53,500 | ₹46,125 | 92.3% |
| ₹9L | ₹4,50,000 | ₹8,67,600 | ₹8,12,866 | ₹67,739 | 90.3% |
| ₹12L | ₹6,00,000 | ₹11,78,400 | ₹10,72,566 | ₹89,381 | 89.4% |
| ₹15L | ₹7,50,000 | ₹14,78,400 | ₹12,94,066 | ₹1,07,839 | 86.3% |
| ₹18L | ₹9,00,000 | ₹17,78,400 | ₹15,15,566 | ₹1,26,297 | 84.2% |
| ₹24L | ₹12,00,000 | ₹23,78,400 | ₹19,58,566 | ₹1,63,214 | 81.6% |
💡 Note: Calculations based on New Tax Regime, 50% basic, metro city HRA, Maharashtra PT. Actual values may vary.
CTC (Cost to Company) is the total annual expenditure a company incurs for an employee:
Formula:
CTC = Gross Salary + Employer PF + Bonus + Perks
Gross = Basic + HRA + Special Allowance + Other Allowances
Example: If Basic = ₹6L, HRA = ₹3L, Special = ₹2.78L, Employer PF = ₹21.6K, then CTC = ₹12L
In-hand salary depends on deductions. Typically:
Low CTC (₹3-6L)
~90-95% of CTC
Lower tax burden
Mid CTC (₹6-15L)
~85-90% of CTC
Moderate taxes
High CTC (₹15L+)
~75-85% of CTC
Higher tax bracket
Use our calculator above for exact calculation with your specific CTC and settings.
Use our In-Hand to CTC calculator (reverse calculator) for exact answer!
Quick Estimate:
• Desired Monthly: ₹1,00,000
• Annual In-Hand: ₹12,00,000
• Required CTC: ₹14-15 Lakhs (approximately)
💡 Pro Tip: Use our calculator's "In-Hand to CTC" mode for precise calculation based on your state, tax regime, and salary structure!
CTC (Cost to Company)
Total cost to employer = All salary components + Employer contributions
Example: ₹12L (includes everything)
Gross Salary
CTC - Employer PF - Bonus (if not monthly)
Example: ₹11.78L (what's used to calculate in-hand)
Net/Take-Home Salary
Gross - Employee PF - Income Tax - Professional Tax
Example: ₹10.72L annual or ₹89K/month (what you actually get)
Employer PF is part of CTC but NOT part of your in-hand salary.
What it is:
• Employer contributes 12% of your basic (max ₹15,000/month)
• Goes directly to your PF account
• Part of CTC but reduces gross salary
Example:
CTC = ₹12L, Basic = ₹6L
Employer PF = 12% of ₹15K × 12 = ₹21,600
Gross = ₹12L - ₹21.6K = ₹11.78L
💰 Good News: Your total PF is 24% (12% employer + 12% employee) which helps in retirement savings!
Our CTC Calculator (Cost to Company Calculator) is the most comprehensive and unique tool for calculating salary breakdowns in India. Unlike standard calculators, we offer a revolutionary reverse calculator that calculates the required CTC from your desired in-hand salary - perfect for salary negotiations!
The calculator features two powerful modes: CTC to In-Hand (calculate take-home from annual package with complete breakdown including basic salary, HRA based on basic percentage, special allowance, employer PF contribution, employee PF deduction, income tax for new and old regime, professional tax state-wise, and bonus components), and In-Hand to CTC (unique reverse calculator that iteratively calculates the exact CTC needed to achieve your desired monthly in-hand salary after all deductions - world's first feature!).
Perfect for all professionals in India whether you're negotiating a new job offer, planning your finances, comparing multiple packages, or understanding your salary structure. The calculator supports customizable basic percentage (40-60%), HRA percentage (30-50% of basic), bonus component (0-20% of CTC), state-wise professional tax (Maharashtra ₹2,500, Karnataka ₹2,400, etc.), new tax regime (₹75,000 standard deduction) and old tax regime (₹50,000 standard deduction), complete PF calculation with ₹15,000 monthly ceiling, and instant accurate breakdown.
Use this tool for job offer evaluation, salary negotiation preparation, understanding CTC components, comparing packages across companies, reverse-engineering required CTC from desired in-hand, budget planning with exact monthly in-hand, or tax planning and regime selection. 100% free, no registration required, mobile-responsive design, completely private calculations in browser, and updated for 2025 with latest tax slabs and PF limits. The unique reverse calculator is our proprietary feature not found anywhere else!