Before you accept the offer
See your actual hike after tax, not just the CTC increase. Add variable pay, PF, food coupons and work expenses only when they apply to your offer.
Tax Year 2026–27 · New regime · Full-year estimate
Start with two annual CTC figures
The comparison stays in your browser. Required fields are marked with *.
Your baseline for comparison
Start with CTC, then add your salary breakup. PF, gratuity and food coupons are unchecked; other deductions and costs start at zero. Income tax is still included. Missing deductions can overstate in-hand pay.
Include target variable pay. Exclude joining bonus, equity and benefits outside CTC.
This is an employer-offer assumption, not a legal minimum.
Check your payslip or select zero if none.
After-tax deductions only; no tax deduction is inferred.
Commute and additional recurring costs; exclude food represented by coupons.
What the employer is offering
Start with CTC, then add your salary breakup. PF, gratuity and food coupons are unchecked; other deductions and costs start at zero. Income tax is still included. Missing deductions can overstate in-hand pay.
Include target variable pay. Exclude joining bonus, equity and benefits outside CTC.
This is an employer-offer assumption, not a legal minimum.
Check your payslip or select zero if none.
After-tax deductions only; no tax deduction is inferred.
Commute and additional recurring costs; exclude food represented by coupons.
Kept out of recurring monthly pay.
No tax deduction assumed.
Review salary breakup and coupon assumptions before relying on the result.
Enter both annual CTCs to compare.
Complete both offer cards. The result will show bank cash, restricted benefits and work expenses separately.
Calculations run in your browser. This first release supports salary-only full-year estimates under the new regime and does not model equity/ESOPs, complex taxable perks, tax gross-ups, other income or a mid-year employer switch. Do not enter PAN, employer names or confidential documents.
The meal rule source is the notified Income-tax Rules, 2026. The ₹200 limit is per qualifying meal; an annual coupon amount is not automatically exempt.
Enter your current and new annual CTC, then add the components from each offer letter. The calculator estimates monthly bank pay after income tax and the deductions you include, under the new regime for Tax Year 2026–27. Optional components start off: missing PF, gratuity or other deductions can overstate take-home pay.
Subtract current monthly bank pay from new monthly bank pay. Divide that difference by current monthly bank pay and multiply by 100 for the in-hand hike percentage. This comparison shows both the CTC hike and the estimated bank-pay hike; variable cash and food coupons are shown separately.
Yes. A larger variable-pay component, employer contributions inside CTC, non-cash benefits or higher deductions can leave less recurring bank pay. Enter each salary breakup separately. Work expenses are shown separately so you can also compare what remains after commuting and other recurring costs.
A 20% CTC hike does not necessarily mean 20% more monthly bank pay. Compare the estimated in-hand increase, variable-pay downside, work expenses and one-time switching costs. The calculator covers the money comparison, not career growth, workload, job security or whether you should accept.
No. Qualifying meal coupons are shown separately because they cannot normally be withdrawn as cash. The result also shows whether opting out restores taxable cash or forfeits the benefit, based on the employer policy you enter.
The notified Income-tax Rules, 2026 provide nil perquisite valuation for qualifying employer-provided meals or paid vouchers usable only at eating joints up to ₹200 per meal during working hours. Eligibility and employer payroll treatment must be confirmed before relying on the estimate.
The monthly bank estimate spreads the estimated annual tax but keeps expected variable cash separate from recurring salary credit. A variable-pay downside recalculates both offers at zero payout so you can compare that scenario without assuming a bonus is guaranteed.
No. It is a planning estimate based on the assumptions entered. Actual TDS, PF, professional tax, bonus timing, employer policy and mid-year switching can change the amount credited to your bank account.
Legal basis: Sections 19, 156 and 202, Income-tax Act, 2025 as amended by Finance Act 2026; Rule 15(5), Table IV, item 3, Income-tax Rules, 2026 for qualifying employer-provided meals and paid vouchers.
Official sources
Last verified against official sources: September 2026. Figures are researched from the government sources above and checked before publishing. See our Editorial & Verification Policy.
This tool is for planning and education. Verify your offer letter, payroll breakup and tax treatment with your employer or a qualified tax professional before making a job decision.