Total Annual CTC 0 Total cost to company per year
Monthly Gross (basic + allowances)—
Annual Gross—
Employer Social Contribution—
EOSB Accrual—
Medical Insurance—
Annual Bonus—
Total Annual CTC—
All Calculators
CTC Builder Calculator
Construct a full Cost-to-Company breakdown for any Middle East role — gross pay, employer contributions, EOSB, medical and optional bonus. See exactly where every component lands.
Salary Components
AED
AED
AED
AED
Telephone, food, education etc. AED
AED
* EOSB at 8.33% of basic + country social-contribution applied automatically.
Your CTC will appear here
Enter basic salary and any allowances, then click Build CTC.
What Goes Into CTC
Three layers: what the employee sees, what the company pays on top, and the annual one-time benefits.
Visible Pay
Basic + Housing + Transport + Other
Goes on the payslip. The employee\'s gross.
Hidden Cost
Social Contribution + EOSB
Employer pays these on top — invisible to the employee but real cost to the company.
Annual Items
Medical + Bonus
One-time annual amounts: insurance premium and target variable.
Frequently Asked Questions
What is CTC?
Cost to Company — the total annual amount an employer commits to spend on an employee, including everything beyond take-home pay: allowances, social contributions, EOSB accrual, insurance and benefits.
How is CTC different from gross salary?
Gross is what appears on the payslip (basic + allowances). CTC adds the company-side costs the employee never sees: employer social contribution, end-of-service accrual, medical insurance, visa fees.
Why split into basic and allowances?
Statutory benefits (EOSB, social security, leave encashment) are calculated on basic salary only in most Middle East countries. Lowering basic and increasing allowances reduces statutory cost but can hurt the employee's end-of-service entitlement.
What is a typical basic-to-allowance ratio?
In the UAE and KSA: basic is usually 50–60% of gross. The remaining 40–50% splits as housing 25%, transport 10%, other 5–15%. Egypt typically uses 70–80% basic.
Does CTC include bonus?
It can. Some companies include target variable / bonus in the CTC headline; others quote fixed CTC + on-target bonus separately. Our calculator treats bonus as an optional add-on.
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