Employee Cost Calculator

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Employee Cost Calculator

CTC, Take-Home, PF, ESIC, Gratuity, TDS – No Graph

Basic Salary ($/month)

PF & Gratuity calculated on this

HRA ($/month)

50% exempt in metro cities

Special Allowance ($/month)

Fully taxable

Gross Salary ($/month)

Basic + HRA + Allowance

PF Ceiling?

Cap saves employer cost

ESIC Applicable?

3.25% employer + 0.75% employee

Bonus ($/year)

Minimum 8.33% under Bonus Act

Cost Summary

Gross Salary

$0/mo

Take-Home

$0/mo

CTC (Annual)

$0/yr

Employer Addl. Cost

$0/mo

Monthly Cost Breakdown

Component	Employee	Employer	Total

5-Year CTC Projection (5% Annual Growth)

2025

2026

2027

2028

2029

Optimization Tips

Detailed Statutory Guide (2025)

PF (EPFO)

12% Employee + 12% Employer
Base: Basic + DA
Cap: $15,000 → $1,800 max
Employer: 8.33% → EPS, 3.67% → EPF

ESIC

0.75% Employee + 3.25% Employer
Only if Gross ≤ $21,000/month
Covers medical, sickness, maternity

CTC = Gross × 12 + Employer PF + ESIC + Gratuity + Bonus
Take-Home = Gross - (Emp PF + ESIC + PT + TDS)

Gratuity

4.81% of Basic (15/26 × monthly basic)
Payable after 5 years
Max $20L exempt u/s 10(10)

Professional Tax

$200/month (most states)
Max $2,500/year
Deducted from salary