{
    "name": "Cost to Company Breakdown Calculator",
    "url": "https://calculators.geekmidst.com/calculators/cost-to-company-breakdown-calculator",
    "markdown": "https://calculators.geekmidst.com/calculators/cost-to-company-breakdown-calculator.md",
    "category": "Salary, HR & payroll",
    "description": "Build up a cost-to-company (CTC) package from basic pay, allowances, variable pay, employer retirement contributions and benefits, yearly and monthly.",
    "summary": "Cost to company is everything an employer spends on you: salary paid to you plus contributions and benefits paid on your behalf. Enter each component to see how the package splits.",
    "also_called": [
        "CTC calculator",
        "Salary structure calculator"
    ],
    "applies_to": "Worldwide",
    "last_updated": "2026-10-29",
    "computation": "Results are computed in the visitor’s browser on the HTML page. This API describes the calculator; it does not compute results.",
    "inputs": [
        {
            "name": "basic",
            "label": "Basic salary (per year)",
            "type": "number",
            "default": "600000"
        },
        {
            "name": "allowances",
            "label": "Allowances (housing, travel, other, per year)",
            "type": "number",
            "default": "400000",
            "optional": true
        },
        {
            "name": "bonus",
            "label": "Variable pay or bonus (per year)",
            "type": "number",
            "default": "100000",
            "optional": true
        },
        {
            "name": "retirement_pct",
            "label": "Employer retirement contribution",
            "type": "number",
            "default": "12",
            "unit": "% of basic",
            "optional": true
        },
        {
            "name": "insurance",
            "label": "Insurance and other benefits (per year)",
            "type": "number",
            "default": "25000",
            "optional": true
        },
        {
            "name": "other",
            "label": "Other employer-paid costs (per year)",
            "type": "number",
            "default": "0",
            "optional": true
        },
        {
            "name": "currency",
            "label": "Currency",
            "type": "currency",
            "default": "INR"
        }
    ],
    "outputs": [
        {
            "key": "ctc",
            "label": "Cost to company (per year)",
            "format": "currency"
        },
        {
            "key": "ctc_monthly",
            "label": "CTC per month",
            "format": "currency"
        },
        {
            "key": "gross",
            "label": "Gross salary (per year)",
            "format": "currency"
        },
        {
            "key": "fixed",
            "label": "Fixed pay (per year)",
            "format": "currency"
        },
        {
            "key": "fixed_monthly",
            "label": "Fixed pay per month",
            "format": "currency"
        },
        {
            "key": "employer_costs",
            "label": "Employer contributions and benefits",
            "format": "currency"
        },
        {
            "key": "retirement",
            "label": "Employer retirement contribution",
            "format": "currency"
        },
        {
            "key": "fixed_share",
            "label": "Fixed pay as share of CTC",
            "format": "percent"
        }
    ],
    "formula": {
        "text": "Fixed = Basic + Allowances;  Gross = Fixed + Variable;  Employer costs = Basic × Retirement% + Insurance + Other;  CTC = Gross + Employer costs",
        "variables": {
            "Retirement%": "employer retirement contribution as a % of basic, as stated in your package"
        }
    },
    "worked_example": {
        "inputs": {
            "basic": "600000",
            "allowances": "400000",
            "bonus": "100000",
            "retirement_pct": "12",
            "insurance": "25000",
            "other": "0",
            "currency": "INR"
        },
        "steps": [
            "Gross = 600,000 + 400,000 + 100,000 = 11,00,000.",
            "Employer costs = 600,000 × 12% + 25,000 = 72,000 + 25,000 = 97,000.",
            "CTC = 11,00,000 + 97,000 = 11,97,000, or 99,750 a month."
        ],
        "result": "This package costs the employer 11,97,000 a year, of which 10,00,000 is fixed pay and 1,00,000 is variable."
    },
    "interpretation": "CTC is the employer’s view. What you actually receive each month is lower: variable pay may not be paid in full, employer contributions go to a fund, and your own tax and deductions come out of gross pay.",
    "assumptions": [
        "All amounts are annual and in the same currency.",
        "The employer retirement rate is applied to basic salary only."
    ],
    "limitations": [
        "Take-home pay is not calculated, because income tax and employee contributions depend on country-specific rules."
    ],
    "rules": null,
    "faqs": [
        {
            "question": "Is CTC the same as gross salary?",
            "answer": "No. Gross salary is what is paid to you before deductions; CTC adds what the employer pays on your behalf, such as retirement contributions and insurance."
        },
        {
            "question": "Why is the variable part shown separately?",
            "answer": "Because it depends on performance. Compare offers on fixed pay as well as CTC."
        }
    ],
    "sources": [],
    "related": [
        {
            "name": "Employee Benefits Cost Calculator",
            "url": "https://calculators.geekmidst.com/calculators/employee-benefits-cost-calculator"
        },
        {
            "name": "Salary Hike Percentage Calculator",
            "url": "https://calculators.geekmidst.com/calculators/salary-hike-percentage-calculator"
        },
        {
            "name": "Employee Bonus Pool Calculator",
            "url": "https://calculators.geekmidst.com/calculators/employee-bonus-pool-calculator"
        },
        {
            "name": "Percentage Calculator",
            "url": "https://calculators.geekmidst.com/calculators/percentage-calculator"
        }
    ],
    "disclaimer": "This calculator gives estimates for planning. It is not financial advice, and lenders’ actual terms, fees and rounding may differ.",
    "publisher": "GM¹X CalcVerse"
}