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The total cost an employer incurs for an employee in a financial year.
CTC is the total compensation package that an employer spends on an employee annually. It includes: basic salary, HRA, special allowances, LTA, bonus, PF (employer contribution 12% of basic), gratuity (4.81% of basic), insurance premiums, and other benefits. CTC is NOT the same as in-hand salary. Typically, in-hand salary is 60-75% of CTC after deducting PF, professional tax, and income tax. Understanding CTC breakup is crucial for salary negotiations in India.
Calculate your income tax under New and Old tax regimes. Free tax calculator for FY 2025-26 with 80C deductions and 87A rebate.
Calculate your in-hand salary from CTC. Free salary breakup calculator with PF, professional tax, and income tax deductions.
Calculate your gratuity amount based on last drawn salary and years of service. Free gratuity calculator for Indian employees.