Gerçek net maaş sonuçlarını optimize eden çalışanlar ve haneler.
Salary Breakup Optimiser
Optimise your CTC salary breakup to maximise take-home pay. See how basic salary percentage affects HRA, EPF, tax, and in-hand salary for FY 2025-26.
Bunu nasıl hesaplıyoruz - yöntem, formüller ve kaynaklarAylık ele geçen maaş
₹98,875
₹11,86,502 per year
Chapter VI-A Deductions
Annual CTC
₹15L
Efektif vergi oranı
6.9%
CTC dökümü (yıllık)
| Basic salary (50%) | ₹7,50,000 |
| HRA (50% of basic) | ₹3,75,000 |
| Special allowance | ₹2,48,942 |
| Gross salary | ₹13,73,942 |
| Employer EPF (12%) | ₹90,000 |
| Gratuity (4.81%) | ₹36,058 |
| Total CTC | ₹15,00,000 |
Tax computation (Old regime)
| Gross salary | ₹13,73,942 |
| Employee EPF | −₹90,000 |
| HRA exemption | −₹1,65,000 |
| Standard deduction | −₹50,000 |
| Chapter VI-A | −₹1,75,000 |
| Taxable income | ₹8,93,942 |
| Income tax | −₹91,288 |
| H&E Cess (4%) | −₹3,652 |
| Total tax | −₹94,940 |
| Professional tax | −₹2,500 |
| Annual take-home | ₹11,86,502 |
Optimizasyon ipucu
Changing basic from 50% to 20% of CTC would increase your annual take-home by ₹91,171.
Current (50%)
₹98,875/mo
Optimal (20%)
₹1,06,473/mo
Current vs Optimal comparison
| Component | Current | Optimal | Diff |
|---|---|---|---|
| Basic | ₹7,50,000 | ₹3,00,000 | ₹-4,50,000 |
| HRA | ₹3,75,000 | ₹1,50,000 | ₹-2,25,000 |
| Special Allow. | ₹2,48,942 | ₹9,99,577 | +₹7,50,635 |
| Employee EPF | ₹90,000 | ₹36,000 | ₹-54,000 |
| HRA Exemption | ₹1,65,000 | ₹1,50,000 | ₹-15,000 |
| Total tax | ₹94,940 | ₹1,33,404 | +₹38,464 |
| Take-home | ₹11,86,502 | ₹12,77,673 | +₹91,171 |
Monthly in-hand breakdown
Gross/mo
₹1,14,495
Deductions
₹15,620
In-hand
₹98,875
How this works
Your CTC is split into components. Changing the basic salary percentage changes your EPF contribution, HRA exemption, and gratuity - all of which affect your tax and take-home pay. A higher basic means more HRA exemption (if you pay rent) but also more EPF lock-in.
EPF in Section 80C
Your employee EPF of ₹90,000/year automatically counts towards the ₹1.5L Section 80C limit. Effective 80C used: ₹1,50,000.
Aylık elde kalan
₹98,875
Yıllık elde kalan
₹11.9L