Build a CTC structure with basic, HRA, special allowance, employer PF, gratuity provision, and statutory bonus. Validates against state minimum-wage requirements.
Fill in the fields below. The tool runs entirely in your browser; no data leaves the page.
A balanced CTC structure for India typically allocates 40-50% to basic, 40-50% of basic to HRA, and the residual to special allowance and other heads. Lower basic reduces employer PF outflow but also reduces the employee's HRA exemption ceiling.
Optimise for the employee's actual context: rent paid (for HRA), tax regime preference, and PF contribution preference.
Each state has minimum-wage requirements that vary by occupation type. The basic component must meet or exceed the state minimum, so high-ratio basic structures are constrained at the bottom by the wage floor.
Low-CTC roles are most affected. The calculator validates the basic against the state minimum and flags any structure that would fail.
Employer PF is 12% of basic (capped at the wage ceiling). Gratuity provision is approximately 4.81% of basic per year. Both are part of CTC but employee take-home does not include them; the structure must surface them separately.
Confusing CTC components with take-home is the most common source of new-joiner disputes. Make the breakup transparent at the offer stage.
There is no statutory minimum, but most companies use 40-50%. Below 30% the structure looks engineered for tax-avoidance, which courts have begun to push back on; above 50% the employer PF outflow becomes meaningful.
Yes, for the exemption to apply. The exemption is the lowest of: actual HRA received, 50% of basic (40% in non-metro), and rent paid less 10% of basic. Without rent, HRA is fully taxable as salary.
Approximately 4.81% of basic salary per year (15/26 ÷ 12, the act formula amortised monthly). Pension and superannuation provisions are separate and rare.
See our offer letter post for compensation framing, or run the hiring funnel benchmark for source-of-hire compensation distributions.
Join the waitlist and try pPULSE the moment your slot opens, or talk to us about a custom rollout for your team.
Clear per person pricing. No surprise setup or onboarding fees.
See pricing detailsMessage sent
Thanks. We reply by email, usually within a working day.