Salary Structure Optimizer

Given your CTC, what's the smartest payroll structure?

₹20,00,000
₹
₹30,000
₹
Monthly In-Hand (optimized)
₹1,33,686
₹16,04,228 annual take-home
Basic (40% of CTC)₹8,00,000
HRA (50% of Basic)₹4,00,000
HRA exempt (claimed)₹2,80,000
NPS 80CCD(2) — employer₹80,000
LTA (1 trip / yr)₹60,000
Food coupons (₹2200/mo)₹26,400
Employer PF₹21,600
Gratuity₹38,480
Employee PF₹21,600
Income tax (New regime)₹1,45,292
Monthly In-Hand₹1,33,686
How to use this
Ask HR to restructure your salary with these components. Most companies allow flexi-benefit plans (FBP) at year-start.