What actually lands in your bank account?
Enter your offer once and see the real number — both tax regimes side by side, every rupee of your CTC traced to where it actually goes.
Monthly in hand · New regime
₹1,03,573
₹12,42,870 a year · steady state, variable excluded
New regime saves you ₹46,040 a year
The whole picture
Where your CTC goes
- Cash in hand₹12,42,870Reaches your bank account83%
- Income tax₹81,770Deducted as TDS and paid to the government5%
- Your PF & deductions₹74,500Yours, but withheld from your salary5%
- Employer retirement₹72,000In your CTC, paid into your PF — not cash now5%
- Phantom CTC₹28,860Gratuity, insurance and variable you may never receive2%
Every month
Payslip · New regime
| Earnings | Monthly |
|---|---|
| Basic | ₹50,000 |
| House Rent Allowance | ₹25,000 |
| Other fixed cash | ₹41,595 |
| Gross cash | ₹1,16,595 |
| Deductions | Monthly |
| Employee PF | −₹6,000 |
| Professional tax | −₹208 |
| TDS (income tax) | −₹6,814 |
Side by side
New vs old regime
| Total income | ₹13,24,140 | ₹10,34,640 |
|---|---|---|
| Income tax | ₹81,770 | ₹1,27,810 |
| Monthly in hand | ₹1,03,573 | ₹99,736 |
| Annual in hand | ₹12,42,870 | ₹11,96,830 |
Phantom CTC
₹1,00,860
6.7% of your CTC never reaches your bank account.
- Employer retirement (PF/NPS)₹72,000
- Employer-paid benefits₹0
- Gratuity provision₹28,860
How the tax is worked out
Tax · New regime
Gratuity
₹0 of ₹28,860 realised
Gratuity needs 5 years of continuous service. You expect 3 — so this is CTC you will not receive.
Variable pay
No variable pay entered. If your offer has a performance bonus, add it in the breakup — we model it at a realistic payout, not 100%.
Worth knowing
Things your offer letter doesn't say
- Bengaluru is not a metro for HRA — your exemption is capped at 40% of basic, not 50%.
- The new regime wins here. How you split your flexi basket makes no difference to your tax — take it all as cash.
- FBP component exemptions (LTA, meal card, etc.) are not modelled, so the old-regime figure is understated for a large flexi basket.
- ₹28,860 of this CTC is a gratuity provision you won't receive unless you stay 5 years (you expect 3).
- TDS is shown as an even monthly spread; your actual monthly deduction may differ with declaration timing.
For estimation only — not tax or financial advice. Actual liability depends on your individual circumstances and your employer's payroll practice. Tax year 2026-27 · ITA-2025.
What this gets right
The three things generic salary calculators miss most often.
87A marginal relief
Just past ₹12 lakh, your tax is capped at the amount you went over. Most calculators charge the full slab tax and overstate it by tens of thousands.
Phantom CTC
Employer PF, gratuity provisions and insurance sit inside your CTC but never reach your bank account. We separate them out.
Realistic variable
Performance pay is modelled at the payout you actually expect, not an optimistic 100%, and taxed when it is paid.