Salary hike, FY 2026-27

Salary hike calculator

What a hike adds to your monthly in-hand salary, after PF and tax.

₹

What the hike is worth

New CTC₹11,50,000
New in-hand a month₹81,820.21
Extra in-hand a month₹10,699.38
Extra in-hand a year₹1,28,392.50
Share of the hike that reaches you86%

In-hand salary, new regime, FY 2026-27

₹71,120.83a month

₹8,53,450.00 a year in your bank account from a CTC of ₹10,00,000

In-hand a month under each regime
Where your ₹10,00,000 CTC goesA month
  • In your bank₹71,120.8385%
  • Saved for youPF ₹10,000, gratuity ₹2,004 after five years₹12,004.1714%
  • Professional tax₹208.33<1%

    Checked against the Income-tax Act 2025 and Budget 2026 on 20 October 2026. How we calculate

    Salary structure and PF
    City for HRA

    Metro means Mumbai, Kolkata, Delhi, Chennai, Hyderabad, Pune, Ahmedabad or Bengaluru. Leave HRA blank to use 50% of basic in a metro and 40% elsewhere.

    Estimated payslipNew regime, FY 2026-27

    Earnings

    Basic salary50% of CTC₹41,666.67
    House rent allowance50% of basic₹20,833.33
    Special allowanceThe rest of your fixed pay₹13,829.17
    Gross salary₹76,329.17

    Deductions

    Provident fund12% of basic₹5,000.00
    Professional taxMaharashtra: ₹200 a month and ₹300 in February.₹208.33
    Income tax (TDS)On taxable income of ₹8,40,950: 5% of ₹4,00,000 + 10% of ₹40,950, less rebate ₹24,095₹0.00
    Total deductions₹5,208.33
    In-hand salarya month₹71,120.83

    Also in your CTC, not paid as salary

    Employer PF12% of basic, paid into your EPF and EPS pension accounts₹5,000.00
    Gratuity4.81% of basic, paid when you leave after five years' service₹2,004.17

    Checked 20 October 2026 against the Income-tax Act 2025 (sections 17, 19, 156, 202 and 516), the Budget 2026 papers, EPFO notification S.O. 5109(E) and state professional tax schedules. How we check.

    Assumes one employer for the whole year, no ESI (salary above ₹21,000 a month), no benefits in kind and no other income. Monthly figures are the yearly amounts divided by 12. Why in-hand is less than CTC.

    These figures are estimates based on the information you entered and the rules for tax year 2026-27 under the Income-tax Act 2025 as it stands after Budget 2026, EPFO notifications and state professional tax schedules. They are general information, not tax, financial or legal advice. Your actual in-hand salary can differ, for example because of your company's salary structure, variable pay, PF rules, your regime choice, TDS timing or your state. Check your payslip, or ask your payroll team or a chartered accountant, before relying on these figures.

    Why less of a hike reaches you

    Part of any hike goes into employer PF and gratuity inside the CTC, and part into your own PF. A hike can also push taxable income into a higher slab. Just above ₹12 lakh of taxable income, marginal relief caps the tax at the income above ₹12 lakh. With the 4% cess, each extra rupee there costs a little more than a rupee in tax, so a small hike can leave you with less in hand until taxable income passes about ₹12.7 lakh.

    In-hand salary by CTC

    Every CTC from 3 to 200 LPA

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