Got a raise?
How much of your raise reaches you?
- What it adds to your monthly in-hand
- How much goes to tax and PF
- Whether it beats inflation
- In hand in 2036
- ₹3.1 L/mo
- 3.0× today's
- Against prices
- 68% ahead
- after 10 hikes of 15%
- More in hand₹1.81 L67%
- More saved for later₹38,89314%
- More tax₹50,07319%
Your in-hand over 10 years
The dashed line is today's in-hand pay grown with prices. Above it, your pay buys more than now. Tax slabs stay at today's levels.
Your inputs
Your home loanOptional: old regime counts its interest and principal
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What this means
- Tax takes ₹19 of every ₹100 of this raise, against 6.8% of your pay today.
Why?
A raise lands in your top slab, so it's taxed at your highest rate, not your average one.
- After 6% inflation, your in-hand buys 6.1% more.
Why?
To keep in-hand pay level with 6% inflation you need a CTC hike of at least 7.2%.
- At 15% a year for 10 years, your in-hand grows 3.0×, while prices grow 1.8×.
Why?
Your CTC grows 4.0×, but tax slabs are held at today's levels here, so each raise pushes more of your pay into higher slabs. If the slabs rise with prices, you keep a little more.
- ₹38.9K more a year goes to your PF and gratuity. It's still yours, just later.
- ₹27K of the raise is variable pay, paid only if targets are met.
Why?
Compare offers on fixed pay first. The variable part is a promise, and it's taxed at your top rate when it arrives.
More details
Before and after
- In hand₹14.18 L
- Saved for later₹2.59 L
- Tax₹1.23 L
- In hand₹15.99 L
- Saved for later₹2.98 L
- Tax₹1.73 L
Every ₹100 of your raise
- More in hand₹67
- More saved for later₹14
- More tax₹19
Is it a real raise?
- Loses to inflation
- Beats inflation
- A real step up
Your in-hand pay rises 12.4%, while prices rise 6%. A CTC hike of 7.2% just keeps pace.
How it's calculated
Your salary is rebuilt at the old and new CTC with the same structure: basic as a share of CTC, HRA at 50% of basic, 12% PF from each side, 4.81% gratuity, and special allowance for the rest. Tax is worked out on each.
- More in hand is the change in a year's take-home: twelve salaries plus the bonus after its tax.
- More saved for later is the rise in PF (both sides) and gratuity.
- More tax is the rise in income tax and professional tax. The three add up to the CTC raise.
- Real raise compares the rise in monthly in-hand pay with inflation.
The old regime counts only the payslip deductions: standard deduction, your PF under 80C and professional tax.
Tax figures follow Budget 2025 rules, for FY 2025-26 onward.