Put in a CTC and see the whole structure — basic, HRA, provident fund, ESI, gratuity and what actually reaches the bank account. Built to the Code on Wages minimum basic of 50%.
Change anything and every figure below moves with it.
| Component | Amount |
|---|---|
| Basic | — |
| House rent allowance | — |
| Special allowance | — |
| Gross salary | — |
| Component | Amount |
|---|---|
| Provident fund, employee share | — |
| ESI, employee share | — |
| Professional tax | — |
| Take-home, before income tax | — |
| Component | Amount, monthly |
|---|---|
| Gross salary | — |
| Provident fund, employer share | — |
| — of which pension (EPS) | — |
| PF admin and EDLI charges | — |
| ESI, employer share | — |
| Gratuity provision | — |
| Cost to company | — |
Annual CTC —. Income tax is not deducted here — put the annual gross into the Income Tax Calculator to compare regimes.
Everything is worked out in your browser. Nothing you type is stored, uploaded or sent to us. Treat the result as an indication rather than advice — a salary structure has to sit alongside the appointment terms, and state rules differ. Built by Accountants Factory, Tirupati, for businesses across Andhra Pradesh, Telangana and India.
Every figure above comes from one of these. Rates and thresholds change, so check the current position before you commit to a structure.
Under the Code on Wages, 2019 the allowances excluded from “wages” — HRA, conveyance, bonus, overtime and the rest — cannot exceed half of total remuneration. If they do, the excess is treated as wages anyway. So a structure with a low basic and a large special allowance no longer reduces your PF and gratuity liability the way it used to. The calculator warns you the moment basic drops below 50%.
Both are used, and it is the employer's choice. ₹15,000 a month is the statutory wage ceiling, so contributing 12% of ₹15,000 is the minimum compliance position. Many employers contribute on full basic instead, which costs more but gives the employee a larger retirement corpus. Switch the ceiling on or off and watch both the take-home and your cost change.
Of the employer's 12%, 8.33% goes to the Employees' Pension Scheme rather than the provident fund, and that part is always calculated on a maximum of ₹15,000 — so it caps at ₹1,250 a month. The balance of the employer's contribution goes into the PF account alongside the employee's own.
When gross pay is ₹21,000 a month or less. The employee contributes 0.75% and the employer 3.25%. Cross that threshold and ESI stops for the rest of the contribution period, not immediately — the calculator shows the position at the salary you enter, not the mid-period rule.
Gratuity is fifteen days of pay for every completed year, and a month is counted as twenty-six working days: 15 ÷ 26 ÷ 12 works out to 4.81% of basic. Most employers carry it in CTC from day one even though nothing is payable until five years of service are completed.
No. Take-home here is before TDS, because the tax depends on your regime, your other income and your declarations — things a salary structure cannot see. Put the annual gross into our Income Tax Calculator to compare the old and new regimes on your own numbers.
No, it is a state levy and the slabs differ. The defaults here follow Andhra Pradesh: nothing up to ₹15,000 a month, ₹150 from ₹15,001 to ₹20,000, and ₹200 above that. Telangana is close to it. Change the figure if you are in a state with different slabs, or set it to zero where there is no professional tax at all.
Use it to agree the shape of the offer, then have the letter itself drawn up properly — the structure has to sit alongside the appointment terms, the notice period and the leave policy. That is work we do; send us the contact form.
Structures, payslips, PF and ESI filings and the monthly journal into your accounts — on the same dates every month.