Cost calculator
See what an Indian hire really costs you.
Enter a CTC in rupees, dollars or euros and see the full breakdown: gross earnings, employee deductions, employer-side EPF and gratuity, and the total cost to your company. India payroll rules built in.
Annual CTC
CTC (Cost to Company) is the full annual figure on the offer letter: the company’s total spend on the employee, including base salary, allowances, and statutory contributions.
Step 1
Salary breakdown
Component shows how the CTC is split into base salary, allowances, and reimbursements. This is the legal structure of the payslip under Indian tax and statutory rules.
Component
Annual
Monthly
Gross earnings (CTC)
Employee deductions
Total deductions
Net take-home (before TDS)
Employer costs (on top of CTC)
EPF (Employer 12%) is paid every month, on top of the employee’s payslip. Gratuity (4.81% of Basic) is a statutory liability. Cyphertree doesn’t collect it from you. Under the Payment of Gratuity Act, 1972, it’s only paid to the employee after 5 years of continuous service (or earlier on death or disability), capped at ₹20 lakh. We show it here so you see the full long-term cost on your books, even though there’s no monthly invoice.
Total employer cost
Total cost to company
Step 2
Benefits & insurance
Medical insurance is a compliance requirement on the Cyphertree platform and standard industry practice for full-time employees in India. There is no opt-out. We arrange group cover for the employee and their declared dependents; the premium is invoiced once a year.
Coverage
Item
Annual
Monthly
Medical insurance
Total benefits
Invoiced once a year. Platform compliance requirement. No opt-out for full-time employees.
Step 3
Platform subscription
The flat platform subscription covers the platform itself, payroll runs, statutory filings, support, and audit. Invoiced monthly alongside the salary.
Item
Annual
Monthly
Platform subscription
Total platform fees
Billed monthly alongside the salary invoice.
Step 4
One-time fees
Invoiced separately at the time of hire or setup. These are not part of your monthly invoice. Most customers see them only in their first month.
Laptop, desk, peripherals. Leave at 0 if the employee is bringing their own.
Item
One-time
Total one-time
Invoiced once, at the time of hire or equipment setup. Not part of your monthly invoice.
Step 5 · Final cost
Your total cost
Everything you'll pay across a year of employing one full-time engineer in India through Cyphertree, including the salary, employer-side statutory costs, mandatory insurance, our subscription, and any equipment.
Annual all-in
Monthly invoice
Salary + platform subscription, billed every month.
Plus annual
Medical insurance, billed once a year.
Plus one-time
Recruitment + equipment, billed at hire/setup.
For full-time employees only. TDS is not shown. It depends on the tax regime, declarations, and projections. Professional Tax rates and PF caps vary by state; defaults shown are for Maharashtra. Medical insurance is a Cyphertree-platform compliance requirement and standard industry practice; cost depends on insurer panel and dependents declared. FX rates come from open.er-api.com (daily mid-market reference) and exclude bank spreads. Use this as a planning estimate; payslip and invoice values may differ.