Cost to Company Calculator
Calculate South African CTC breakdown: basic salary, pension, medical aid, UIF, SDL, and take-home pay. Convert CTC to salary or salary to CTC.
Quick Calculator Get a fast estimate
R
Annual total employment cost including all benefits and employer contributions.
R
Annual employer medical aid contribution included in CTC.
%
Employer contribution to pension/provident fund as % of CTC.
Monthly Basic Salary (est.)
R 35 096
Annual Basic Salary
R 421 149
Employer Pension/Provident
R 36 000
Employer Medical Aid
R 18 000
UIF (Employer 1%)
R 51
SDL (1%)
R 4 800
Benefits as % of CTC
12.26%
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How CTC Works in South Africa
CTC (Cost to Company) is not your salary — it's the total cost of employing you. It includes your basic salary plus all employer contributions: pension/provident fund, medical aid, UIF (1%), and SDL (1%). Your take-home pay is typically 55–70% of CTC after deductions and tax.
When comparing job offers, always compare CTC values. A high CTC with generous employer pension contributions may give less take-home than a lower CTC with fewer deductions.
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R
%
R
Monthly Take-Home (est.)
R 26 673
Annual CTC
R 480 000
Annual Basic Salary
R 419 075
Employer Pension
-R 36 000
Employer Medical Aid
-R 18 000
Income Tax (PAYE)
-R 65 442
UIF (employee 1%)
-R 2 125
Annual Take-Home
R 320 077
CTC Breakdown Formula
CTC = Basic Salary + Employer Pension + Employer Medical Aid
+ UIF (employer 1%) + SDL (1%) + Allowances + Bonus
Basic Salary = CTC − Employer Benefits
Take-Home = Basic Salary − PAYE − Employee Pension
− Employee UIF (1%) − Employee Medical Aid
Example: R480,000 CTC, 7.5% pension, R18,000 medical:
Pension = R480,000 × 7.5% = R36,000
UIF = R17,712 × 12 × 1% = R2,125
SDL = R480,000 × 1% = R4,800
Basic = R480,000 − R36,000 − R18,000 − R2,125 − R4,800 = R419,075
Typical CTC Component Ranges
| Component | Typical Range | Notes |
|---|---|---|
| Employer Pension/Provident | 5–15% of salary | Varies by employer/fund |
| Employer Medical Aid | R1,000–R4,000/month | Depends on plan and deps |
| UIF (employer) | 1% (capped) | Max R177.12/month |
| SDL | 1% of payroll | Exempt if payroll < R500k/yr |
| Travel Allowance | R2,000–R8,000/month | 80% taxable upfront |
| Cellphone Allowance | R300–R1,000/month | Fully taxable |
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Monthly Salary Components
R
R
R
R
R
R
%
Employer Contributions
%
R
Employee Deductions
%
R
Monthly Take-Home Pay
R 32 153
Total Annual CTC
R 570 325
Annual Take-Home
R 385 837
Take-Home as % of CTC
67.7%
Full CTC Breakdown
| Component | Annual | Monthly |
|---|---|---|
| Basic Salary | R 360 000 | R 30 000 |
| Allowances (gross) | R 126 000 | R 10 500 |
| Annual Bonus | R 30 000 | — |
| Employer Pension | R 27 000 | R 2 250 |
| Employer Medical Aid | R 21 600 | R 1 800 |
| UIF Employer (1%) | R 2 125 | R 177 |
| SDL (1%) | R 3 600 | R 300 |
| Total CTC | R 570 325 | R 47 527 |
PAYE Calculation
| Taxable Income | R 484 200 |
| Gross Tax | R 112 609 |
| Primary/Age Rebate | -R 17 235 |
| Medical Aid Credits | -R 8 736 |
| Annual PAYE | R 86 638 |
| Monthly PAYE | R 7 220 |
Frequently Asked Questions
CTC is the total annual cost of employment: basic salary + all employer contributions (pension, medical aid, UIF, SDL). Your take-home pay is typically 55–70% of CTC.
Yes, the employer portion of medical aid is always included in CTC. The employee portion is deducted from your salary. Together they fund your medical aid membership.
UIF (Unemployment Insurance Fund) is 1% from employer + 1% from employee, capped at R17,712/month salary. SDL (Skills Development Levy) is 1% of total payroll, paid by employer to SARS for skills training.
Often yes. Many employers allow flexible structuring: increasing pension contributions (tax-deductible up to 27.5% of income), adding travel allowances with logbook, or adjusting medical aid plans. Always ensure structuring complies with SARS requirements.
CTC includes employer costs that never appear in your bank account (employer pension, employer medical aid, SDL). Then PAYE, employee pension, employee UIF, and employee medical aid are deducted from your salary. The result is typically 55–70% of CTC.