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CTC Calculator for India
Roll monthly components and employer PF into an annual CTC figure for budgets. Enter numbers and click Calculate — results appear on this page.
How this CTC Calculator works
Annual CTC ≈ (monthly basic + HRA + special/other allowances + employer PF) × 12. Exclude one-time joining bonuses, gratuity provisions, and insurance unless your HR policy includes them in CTC definitions.
How to use
- Enter monthly basic, HRA, and special allowances from your structure.
- Add employer PF per month (not employee PF).
- Multiply the monthly stack by 12 for annual CTC.
- Compare against salary calculator splits for consistency.
Related calculators
Operationalise payroll with IntelloHRM payroll after you finish estimating.
Elementor: insert shortcode [ih_calculator type="ctc"] or the IH Calculator widget.
CTC Calculator — FAQs
Is employer PF part of CTC?
Most Indian offer letters include employer PF inside CTC — clarify with candidates explicitly.
Should gratuity be inside CTC?
Some employers show gratuity as part of CTC; others accrue off-payslip — disclose your method.
Does CTC include insurance premiums?
Group medical and term covers are often embedded — list them in annexures to avoid disputes.
How is CTC different from gross salary?
Gross is employee cash components before deductions; CTC adds employer contributions and sometimes benefits.
Can I use CTC for contractor rates?
Contractor invoices are not CTC — do not mix employment and vendor math.
Why annualise monthly inputs?
Finance and HR budgets are annual; multiplying by 12 catches employer PF impact on headcount cost.
Does IntelloHRM store CTC history?
Maintain revision logs and payslip archives in IntelloHRM during your trial onboarding.
What about performance bonus in CTC?
Variable pay may be 'target' CTC — separate guaranteed vs conditional amounts in offers.
Should ESOP appear in CTC?
Disclose ESOP separately unless your policy explicitly includes grant value in CTC statements.
How do multi-location CTCs differ?
HRA and PT change by city; rebuild CTC when transferring employees.
After the CTC Calculator, run real payroll ops
Estimates help planning — IntelloHRM turns attendance, leave, and payslips into a repeatable process.
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