Compare Old vs New regime & maximize your take-home salary
Optimize your CTC structure. Compare Old vs New regime, maximize HRA exemption, 80C/80D deductions, and calculate accurate take-home salary. This tool is built for practical, real-world usage where speed, clarity, and reliable output matter. You can start with the default values, review the result, and then refine inputs step by step to match your exact scenario.
For best results, keep your inputs clean and complete. Double-check units, date ranges, and value formats before you calculate. If you are comparing multiple scenarios, change one variable at a time so you can clearly understand what moved the output.
This page helps when you need a quick answer without switching apps, creating accounts, or installing software. It is suitable for professionals, founders, students, and teams who want transparent logic and immediate outputs.
The tool is designed for guidance and operational calculations. For compliance-critical submissions or legal/financial filings, always verify with your official source rules and current regulations. We regularly improve these pages so they remain practical and dependable for day-to-day work.
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Choose the Old regime if you have significant deductions: HRA exemption, ₹1.5L under 80C, health insurance (80D), home loan interest (24b), etc. Typically beneficial for CTC above ₹15 LPA with proper tax planning.
The New regime now offers a standard deduction of ₹75,000, revised slabs with 0 tax up to ₹4L (after rebate effective ₹12.75L tax-free), and employer NPS deduction up to 14% of basic.
HRA exemption is the minimum of: (1) Actual HRA received, (2) Rent paid minus 10% of basic, (3) 50% of basic (metro) or 40% (non-metro).
Purpose: Restructure your CTC for maximum tax savings with optimized salary components.
CTC restructuring tool that compares typical vs tax-optimized salary breakups. Includes HRA, LTA, ₹26,400 meal card, NPS 80CCD(2) optimization. Supports both Old and New tax regimes with side-by-side comparison and annual savings calculation.
This page includes tool-specific method notes, edge-case guidance, and reference context to provide substantial user value beyond a basic calculator interface.