CTC Breakup & Tax Regime Simulator
Interactive Indian statutory salary structure simulator and Old vs. New Tax Regime (Income-tax Act, 2025 — Sec 392) comparative optimizer.
Tax Year 2026-27 • ₹25k PF Ceiling
Package & Exemption Inputs
₹
Old Regime Deductions & Claims
₹
₹
₹
Pro Tip: New Tax Regime offers flat ₹ 75,000 Standard Deduction with no investment lock-ins!
Salary Components & Monthly Take-Home
Estimated Net In-Hand Take Home
₹ 88,500 / mo
Annual In-Hand: ₹ 10,62,000
| Salary Component | Annual (₹) | Monthly (₹) |
|---|---|---|
| Basic Salary 50% of CTC | ₹ 6,00,000 | ₹ 50,000 |
| House Rent Allowance (HRA) 40% of Basic | ₹ 2,40,000 | ₹ 20,000 |
| Special Allowance Balancing Component | ₹ 3,60,000 | ₹ 30,000 |
| Gross Earnings | ₹ 12,00,000 | ₹ 1,00,000 |
| Employee Provident Fund (PF) 12% Basic (Max ₹1,800/mo) | -₹ 21,600 | -₹ 1,800 |
| Professional Tax (PT) Standard State PT | -₹ 2,400 | -₹ 200 |
| Estimated Income Tax (TDS) Under recommended regime | -₹ 85,800 | -₹ 7,150 |
Old vs. New Tax Regime Comparison (FY 2024-25 / FY 2025-26)
Old Tax Regime
With Exemptions
Gross CTC
₹ 12,00,000
Standard Deduction
-₹ 50,000
Section 80C Claim
-₹ 1,50,000
Section 80D Medical
-₹ 25,000
HRA / Other Exemptions
-₹ 0
Net Taxable Income
₹ 9,75,000
Base Tax
₹ 1,07,500
Health & Edu Cess (4%)
₹ 4,300
Total Tax Liability
₹ 1,11,800
New Tax Regime (Section 115BAC)
Lower Slabs
Gross CTC
₹ 12,00,000
Standard Deduction (Budget 2024)
-₹ 75,000
Other Exemptions
Not Allowed
HRA / 80C Benefits
Not Allowed
Rebate u/s 87A
Up to ₹ 7,00,000
Net Taxable Income
₹ 11,25,000
Base Tax
₹ 82,500
Health & Edu Cess (4%)
₹ 3,300
Total Tax Liability
₹ 85,800
Recommendation: Choose New Tax Regime
You save approximately ₹ 26,000 annually in taxes by selecting the New Tax Regime.