Salary Breakup Calculator
Reverse calculate the Cost to Company (CTC) needed to achieve your target monthly take-home salary.
Reverse Salary Calculator
Enter your desired monthly in-hand salary to find out the required CTC.
Est. Annual Tax
₹ 0
Total PF
₹ 0
What is a Salary Breakup Calculator?
A Salary Breakup Calculator (or Reverse CTC Calculator) is a unique tool designed for job seekers and employees negotiating a raise. Instead of calculating in-hand salary from CTC, it does the opposite: you enter your desired monthly in-hand amount, and it calculates the CTC you should ask for. It accounts for PF, Professional Tax, and Income Tax to give you a realistic CTC figure.
How It Works
The calculator uses an iterative reverse-calculation method. It starts with your desired net salary and adds back the estimated deductions (TDS, PF, PT) to arrive at the Gross Salary and finally the CTC.
Example Calculation
You want a monthly in-hand salary of ₹1,00,000.
- 1.Target In-Hand = ₹1,00,000
- 2.Add: Employee PF (12% of Basic) ≈ ₹3,600
- 3.Add: Professional Tax ≈ ₹200
- 4.Add: Estimated TDS ≈ ₹8,000
- 5.Required Monthly Gross ≈ ₹1,11,800
- 6.Add: Employer PF & Gratuity
- 7.Required Annual CTC ≈ ₹14.5 Lakhs - ₹15 Lakhs
Why This Tool is Useful
- ✓Empowers you during salary negotiations with HR.
- ✓Prevents you from under-quoting your expected CTC.
- ✓Helps you understand the 'Cost to Company' vs 'Cash in Hand' gap.
- ✓Saves time by automating complex reverse tax calculations.
- ✓Provides a breakdown of Basic, HRA, and Special Allowances.
Tips & Comparison
- •Negotiate on In-Hand: Always discuss your expected 'Take Home' salary first, then agree on the CTC.
- •Factor in Inflation: When switching jobs, aim for a hike that beats inflation and covers your lifestyle upgrade.
- •Tax Efficiency: Ask for more tax-free allowances (like LTA, Books & Periodicals) to increase in-hand salary without increasing CTC.
- •ESOPs: Employee Stock Options are usually over and above the CTC. Don't confuse them with your cash component.