Enter your CTC → Get exact in-hand salary + optimized structure + Old vs New regime winner
✅ FY 2025-26💡 Salary Optimizer⚡ Instant Results🔒 No Data Stored
💼 Your Details
Enter your total annual CTC in ₹
Enter 0 if you don't pay rent / live in own house
▸⚙️ Advanced — Build Your Own Salary Structureconfigure Basic %, DA, allowances, reimbursements & deductions
🏗️ Structure Configuration
40%
Industry norm: 40–50% of CTC. Higher Basic → higher PF & gratuity, lower take-home.
0%
Common in PSU/govt & some manufacturing. Counts toward PF, HRA & gratuity.
Exclude if you live in your own house or your structure has no HRA.
Annual bonus/incentive that is part of CTC. Fully taxable.
🎁 Tax-Efficient Allowances & Reimbursements (exempt only in Old Regime, on actual bills)
Sodexo/Zaggle etc. Exempt up to ₹2,200/mo (₹50/meal × 2 × 22 days).
Fully exempt against actual bills (Old Regime).
Car running & maintenance reimbursement against bills (Old Regime).
₹100/month/child (max 2) exempt under Old Regime.
💸 Deductions & Investments
Extra ₹50,000 deduction over & above 80C (Old Regime only).
Self/family ₹25,000 + parents ₹25,000 (₹50,000 if senior). Old Regime.
Extra PF beyond the mandatory 12%. Counts toward the ₹1.5L 80C cap.
💼 Common Deductions
₹1,00,000
PPF, ELSS, LIC, EPF, etc. — Max ₹1.5L allowed
Section 24(b) — Max ₹2L deduction
Most companies cap PF at the ₹15,000 wage ceiling. Choose "Not applicable" if you/your employer are exempt from EPF.
Deductible in BOTH regimes — biggest New-Regime tax saver
📊 Your Salary Breakdown
Monthly In-Hand Salary
₹0
Annual: ₹0
Old vs New Regime
Old Regime
₹0
New Regime
₹0
Full Salary Breakdown
Component
Annual
Monthly
💡 Apne dosto ko bhi batao unka take-home kya hai!
🏗️ Optimized Salary Structure
Recommended breakup of your CTC to maximize take-home pay:
💡 Pro Tip: Ask your HR to restructure your salary with higher HRA and LTA components — this alone can save ₹50,000–₹1,50,000/year in tax without any extra investment!