Personal Salary Advisor

Insights & Precision Estimates FY 2025-26

Company Presets:

Service

Product

Startup

Salary Components

Fixed Pay (LPA)

Lakhs

Variable Pay / Bonus (LPA)

Lakhs

Configure Personal Details, PF & Basic % ▼

Tax Regime

New Regime

🏆 Best

Old Regime

Work State

Maharashtra

▼

Monthly Take-Home (Net Credits)

₹1.02 L

6.4% Effective Tax

Quality: 🟢 Strong In-Hand Ratio

Salary Distribution

■ Net Pay

■ Tax

■ Deductions

Tax Regime Comparison

Metric

Annual Tax

Monthly In-Hand

Old

₹2.49 L

₹89.6K

New

₹1.05 L

₹1.02 L

Real Salary Breakdown

Total Headline CTC

₹16.50 L

CTC to Gross Deductions (Non-Cash)

Employer PF Contribution

Included in CTC but not in Gross Pay

−₹72.0K

Gratuity Provision

Employer provision (not deducted from your salary)

−₹28.9K

Variable Pay

Not paid monthly (Taxed separately)

−₹1.50 L

Fixed Gross Monthly

₹1.17 L

Monthly Deductions (Cash Impact)

Employee PF

Standard 12% of basic

−₹6.0K

Income Tax (TDS)

Estimated monthly TDS

−₹8.8K

Professional Tax

−₹208

Final Net In-Hand

₹1.02 L

Effective Tax (on Taxable Income): 7.1%

Effective Tax (as % of Total CTC): 6.4%

💡 Personal Advisor Note

This matches standard Indian IT payroll logic (95%+ accuracy). Note that LTA, meal cards, and specific allowances may shift your final net by ±₹3k.

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Compare job offers and calculate your real in-hand salary in India. Understand fixed vs variable pay, tax impact, and monthly savings. Make smarter career decisions with accurate salary insights.