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Salary Breakup Calculator

↻ Updated FY 2026-27

See how a typical Indian CTC splits into basic salary, HRA, special allowance, employer PF and gratuity — shown both monthly and annually. Everything runs in your browser.

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Your inputs

Annual CTC

Basic salary

₹4,80,000

₹40,000/mo

HRA

₹2,40,000

₹20,000/mo

Special allowance

₹3,99,323

₹33,277/mo

CTC composition

Basic salary₹4,80,000

HRA₹2,40,000

Special allowance₹3,99,323

Employer PF₹57,600

Gratuity₹23,077

Monthly vs annual

Basic salary₹40,000/mo · ₹4,80,000/yr

HRA₹20,000/mo · ₹2,40,000/yr

Special allowance₹33,277/mo · ₹3,99,323/yr

Employer PF₹4,800/mo · ₹57,600/yr

Gratuity₹1,923/mo · ₹23,077/yr

Total CTC₹12,00,000

ASSUMPTIONS — FY 2026-27 estimate using a common structure: basic = 40% of CTC, HRA = 50% of basic, employer PF = 12% of basic, gratuity accruing at 15/26 of a month's basic per year, and the balance as special allowance. Employers structure pay differently — treat this as an illustrative breakup, not your actual offer.

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RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.