Free tool · FY 2026-27 · New tax regime
Salary breakup generator
Turn any annual CTC into a complete offer-letter breakup: components, deductions, in-hand salary, and the employer's true cost. Download it as a one-page PDF.
Offer details
₹
Assumptions
- Basic 50% of CTC, HRA 40% of Basic
- PF at 12% of Basic, employee and employer side
- New regime slabs, ₹75,000 standard deduction, 87A rebate
- Gratuity provisioned at 4.81% of Basic
In-hand salaryCandidate
₹88,000/ month
₹10,56,000/ year
Offer summary
| Component | Annual | Monthly |
|---|---|---|
| Basic salary | ₹6,00,000 | ₹50,000 |
| HRA40% of basic | ₹2,40,000 | ₹20,000 |
| Special allowance | ₹2,88,000 | ₹24,000 |
| Employer PFPart of CTC, not paid out | ₹72,000 | ₹6,000 |
| Gross salary | ₹11,28,000 | ₹94,000 |
| Employee PF12% of basic | − ₹72,000 | − ₹6,000 |
| Income taxNew regime · FY 2026-27 | − ₹0 | − ₹0 |
| Total deductions | − ₹72,000 | − ₹6,000 |
| In-hand salary | ₹10,56,000 | ₹88,000 |
How the CTC is allocated
Basic 50%HRA 20%Special allowance 24%Employer PF 6%
True cost to employer
Annual CTC
₹12,00,000
Gratuity provision (4.81% of basic)
₹3,46,320
Total annual cost
₹15,46,320
Turn this breakup into real payslips
Salarier pays out this exact structure every month: PF, tax and gratuity handled automatically.
Based on the FY 2026-27 new tax regime with a standard 50/40 structure and 12% PF on both sides. Professional tax, gratuity payouts and employer-specific policies are not included. This is a planning tool, not tax advice.