Precision Indian Salary & Tax Intelligence.
Real-time reconciliation of monthly net bank deposits, EPF retirement allocations, state professional tax, and dual-regime tax optimization.
Estimated Net In-Hand Monthly Paycheck
Offer Quality Grade & Compensation Audit
Automated structure audit assessing basic salary stability, bonus risk, and employer CTC padding.
Healthy basic pay. Guarantees stable monthly cash flow.
Low performance dependency. Most pay is guaranteed cash.
Employer EPF (₹21,600) & Gratuity (₹23,077) are bundled inside CTC.
You take home ₹94,477 out of ₹1,00,000 monthly CTC budget.
Scenario Comparison: Old vs New Regime
Live statutory duel assessing both regimes under FY 2026–27 tax rules with inflation-adjusted (6%) purchasing power.
Old Tax Regime
New Tax Regime
Old Regime Itemized Deductions & Rent Exemption Matrix
Total Deductions: ₹0Itemized Payroll Accounting Ledger
Exact statutory reconciliation from Total CTC to Net Monthly Bank Credit.
| Component Description | Annual Amount | Monthly Average |
|---|---|---|
| 1. Earnings & Cash Gross | ||
Basic Salary 40% of fixed CTC | ₹4,80,000 | ₹40,000 |
House Rent Allowance (HRA) 50% of basic | ₹2,40,000 | ₹20,000 |
Special / Flexi Allowance Balancing component | ₹4,35,323 | ₹36,277 |
| Cash Gross Salary (A) | ₹11,55,323 | ₹96,277 |
| 2. Payroll Deductions & TDS | ||
Employee PF (Retirement Fund) 12% of basic / statutory cap | -₹21,600 | -₹1,800 |
State Professional Tax State schedule | -₹0 | -₹0 |
Income Tax (TDS on Salary) FY 2026–27 tax rate | -₹0 | -₹0 |
Net In-Hand Bank Transfer (A − B) Direct deposit into savings account | ₹11,33,723 | ₹94,477 |
| 3. Employer Benefits Bundled in CTC | ||
Employer PF Contribution Retirement corpus | +₹21,600 | +₹1,800 |
Gratuity Provision (15/26) Payable after 5 yrs | +₹23,077 | +₹1,923 |
| Total Cost to Company (CTC) | ₹12,00,000 | ₹1,00,000 |
50/30/20 Financial Planning
Automated budget breakdown allocating your ₹94,477/mo in-hand salary.
Rent, EMIs, Groceries, Utilities, Insurance
Dining, Shopping, Travel, Entertainment, Gadgets
Index Funds, Mutual Funds, Emergency Reserves
Investing ₹18,895/mo for 10 years (₹22,67,446 total principal) creates ₹21,22,690 in pure compound interest.
Home Loan Eligibility & Affordability Power
Estimate maximum borrowing power based on standard banking FOIR (40% of take-home salary).
Based on 40% FOIR (₹37,791/mo max EMI) at 8.5% interest.
Leaves ₹56,686/mo for groceries, utilities, and investments.
Standard Indian CTC to In-Hand Benchmarks (FY 2026–27)
Quick reference guide comparing popular annual salary packages under the New Tax Regime with standard EPF and Gratuity assumptions. Click any row to calculate.
| Annual CTC | Monthly Take-Home | Annual In-Hand | Income Tax (TDS) | CTC Retained |
|---|---|---|---|---|
| 6 LPA (₹6,00,000) | ₹45,438 | ₹5,45,262 | ₹0 | 90.9% |
| 8 LPA (₹8,00,000) | ₹61,785 | ₹7,41,415 | ₹0 | 92.7% |
| 10 LPA (₹10,00,000) | ₹78,131 | ₹9,37,569 | ₹0 | 93.8% |
| 12 LPA (₹12,00,000) | ₹94,477 | ₹11,33,723 | ₹0 | 94.5% |
| 15 LPA (₹15,00,000) | ₹1,11,527 | ₹13,38,324 | ₹89,630 | 89.2% |
| 18 LPA (₹18,00,000) | ₹1,31,923 | ₹15,83,075 | ₹1,39,110 | 87.9% |
| 20 LPA (₹20,00,000) | ₹1,44,869 | ₹17,38,428 | ₹1,79,910 | 86.9% |
| 25 LPA (₹25,00,000) | ₹1,75,695 | ₹21,08,343 | ₹3,00,380 | 84.3% |
| 35 LPA (₹35,00,000) | ₹2,32,119 | ₹27,85,432 | ₹6,04,060 | 79.6% |
| 50 LPA (₹50,00,000) | ₹3,16,466 | ₹37,97,586 | ₹10,63,060 | 76.0% |
| 75 LPA (₹75,00,000) | ₹4,41,808 | ₹53,01,699 | ₹20,10,870 | 70.7% |
| 1.00 Cr (₹1,00,00,000) | ₹5,76,010 | ₹69,12,122 | ₹28,52,370 | 69.1% |
| 1.50 Cr (₹1,50,00,000) | ₹8,27,235 | ₹99,26,818 | ₹47,41,520 | 66.2% |
Frequently Asked Questions on Payroll & Taxes
Statutory deductions, gratuity provisions, and FY 2026–27 central tax rules explained clearly.
What is the difference between CTC and In-Hand Salary?
CTC (Cost to Company) is the entire amount an employer spends to employ you, including non-cash benefits like employer EPF (12%) and gratuity provision (4.81% of basic). In-Hand Salary is the actual cash credited to your bank account after subtracting employee EPF, state professional tax, and income tax TDS.
Why is in-hand salary lower than CTC divided by 12?
Dividing CTC by 12 gives an inflated number because CTC bundles mandatory employer contributions that never reach your paycheck. Furthermore, employee PF (up to ₹1,800 or 12% of basic), State Professional Tax (up to ₹200/mo), and estimated income tax TDS are withheld monthly at source.
Which tax regime is better for FY 2026–27?
For most salaried employees with income up to ₹12.75 Lakhs, the New Tax Regime is definitively superior due to the ₹75,000 standard deduction and Section 87A full tax rebate (zero tax up to ₹12L). The Old Regime only wins if your total eligible exemptions (80C, 80D, HRA, home loan interest) exceed ₹3.75–₹4.0 Lakhs.
How is Gratuity calculated and when is it payable?
Under the Payment of Gratuity Act, gratuity is computed using (15 × Last Drawn Basic × Years of Service) / 26. While employers bundle approximately 4.81% of Basic salary annually into your CTC, it is legally payable only upon completing 5 years of continuous service.