10.83% more
Your CTC rises 10% and your take-home 10.83%. No extra income tax. The rest, ₹201, goes to gratuity.
Salary hike calculator
A hike of 10% on a ₹10 lakh CTC makes it ₹11 lakh, ₹8,334 more a month. Take-home rises by ₹8,133 a month, from ₹75,130 to ₹83,263, under the new regime (Tax Year 2026-27).
- Tax Year 2026-27 · verified 26 September 2026
- How it’s worked out
- By the Accurio.in team
New CTC
₹11 lakh
10% hike · +₹1,00,000 a year
- Take-home
- +₹8,133
- Income tax
- ₹0
- Gratuity
- +₹201
- Take-home a month now
- ₹75,130
- After the hike
- ₹83,263
More take-home a month+₹8,133
Try a what-if
₹0 a month
No income tax at either CTC under the new regime, Tax Year 2026-27.
+₹813 a month
How one more percentage point of hike, ₹10,000 a year, would change your take-home.
Take-home at other hikes
On a current CTC of ₹10 lakh (₹75,130 a month take-home), with the same defaults.
| Hike | New CTC | Take-home a month | More a month |
|---|---|---|---|
| 5% | ₹10.5 lakh | ₹79,197 | +₹4,067 |
| 8% | ₹10.8 lakh | ₹81,637 | +₹6,507 |
| 10% | ₹11 lakh | ₹83,263 | +₹8,133 |
| 12% | ₹11.2 lakh | ₹84,889 | +₹9,759 |
| 15% | ₹11.5 lakh | ₹87,329 | +₹12,199 |
| 20% | ₹12 lakh | ₹91,396 | +₹16,266 |
| 25% | ₹12.5 lakh | ₹95,463 | +₹20,333 |
| 30% | ₹13 lakh | ₹99,529 | +₹24,399 |
The full payslip, both regimes and your own salary structure: now and after the hike, in the in-hand salary calculator.
Take-home after a 10% hike on common CTCs
A month, Tax Year 2026-27, with the in-hand salary page’s defaults: the new regime, PF on wages up to ₹25,000 and gratuity inside the CTC.
| CTC | After 10% | Take-home now | After the hike | More |
|---|---|---|---|---|
| ₹3 lakh | ₹3.3 lakh | ₹20,698 | ₹22,788 | +₹2,090 |
| ₹4 lakh | ₹4.4 lakh | ₹27,664 | ₹30,452 | +₹2,788 |
| ₹5 lakh | ₹5.5 lakh | ₹34,630 | ₹39,031 | +₹4,401 |
| ₹6 lakh | ₹6.6 lakh | ₹42,598 | ₹47,478 | +₹4,880 |
| ₹8 lakh | ₹8.8 lakh | ₹58,864 | ₹65,370 | +₹6,506 |
| ₹10 lakh | ₹11 lakh | ₹75,130 | ₹83,263 | +₹8,133 |
| ₹12 lakh | ₹13.2 lakh | ₹91,396 | ₹1,01,156 | +₹9,760 |
| ₹15 lakh | ₹16.5 lakh | ₹1,08,607 | ₹1,18,903 | +₹10,296 |
| ₹18 lakh | ₹19.8 lakh | ₹1,29,001 | ₹1,40,596 | +₹11,595 |
| ₹20 lakh | ₹22 lakh | ₹1,41,885 | ₹1,54,610 | +₹12,725 |
| ₹25 lakh | ₹27.5 lakh | ₹1,72,666 | ₹1,86,963 | +₹14,297 |
| ₹30 lakh | ₹33 lakh | ₹2,00,951 | ₹2,17,737 | +₹16,786 |
| ₹40 lakh | ₹44 lakh | ₹2,56,906 | ₹2,79,289 | +₹22,383 |
| ₹50 lakh | ₹55 lakh | ₹3,12,862 | ₹3,30,811 | +₹17,949 |
How this is calculated
The formula
New CTC = CTC × (1 + hike ÷ 100)
- Hike % = (new CTC − current CTC) ÷ current CTC × 100. The new CTC is rounded to the rupee.
- Take-home at each CTC comes from the in-hand salary calculator: PF and gratuity on the Code’s wages, ESI while wages are at most ₹21,000 a month, professional tax, and income tax for Tax Year 2026-27.
- The extra take-home is the take-home at the new CTC minus the take-home now.
Assumptions
- The hike is on the fixed CTC. Bonus, variable pay and joining or retention payments are not included.
- The salary structure stays the same: basic 50% of the CTC, HRA 50% of basic, PF on wages up to ₹25,000 (the law’s default) and a gratuity provision inside the CTC.
- The new regime, for a resident below 60 with no other income, and ₹200 a month of professional tax (state not chosen).
- Income tax for a full year at each CTC. A hike from the middle of the year puts this year’s tax between the two.
- Your employer is covered by ESI when your wages fall within its limit. How long ESI coverage carries on after wages pass the limit is not modelled.
From the Code on Social Security, 2020 and the Labour Ministry’s FAQ on the Labour Codes, the EPF Scheme, 2026 and the ₹25,000 wage ceiling, the Income-tax Act, 2025, the ESIC circular on wages and the Social Security (Central) Rules, 2026. Checked against two real payslips, to the rupee. Rules checked 26 September 2026.
How do I calculate my salary hike percentage?
Subtract the current CTC from the new one, divide by the current CTC and multiply by 100. From ₹8 lakh to ₹9.2 lakh: ₹1.2 lakh ÷ ₹8 lakh × 100 = 15%. Choose “The new CTC” above to have it worked out.
Why doesn’t my take-home rise by the same % as my CTC?
Part of the extra CTC goes to gratuity, which grows with your wages, to PF while your wages are below its ceiling (₹25,000 a month with this page’s defaults), and to income tax, which grows with your income: that makes the take-home rise by less. But take-home is smaller than the CTC, so when little of the extra goes to tax and PF, it can rise by a bigger % than the hike. And in a few income bands, income tax rises by more than the hike adds, so take-home falls a little. The chart in the result shows where each month’s extra pay goes.
My letter gives the hike on basic or gross pay. What do I enter?
Enter the new CTC from your letter under “The new CTC”. This page applies a hike % to the fixed CTC, so a % of basic or gross pay is a different number.
Does it work for a new job offer?
Yes. Enter your current CTC and the offered CTC under “The new CTC”. Joining bonuses and variable pay are not part of the fixed CTC here.
What changed (latest: 17 September 2026)
The rules this page uses, by the date each took effect, newest first. Each was last checked against its official source between 26 September 2026 and 5 October 2026.
-
- EPF wage ceiling: ₹15,000 per month → ₹25,000 per month
-
- Method for September 2026 (month containing the ceiling change)
-
- ESI contribution rates
-
25 changes
- Employer PF + NPS + superannuation contributions: amount above which the excess is a taxable perquisite
- Employer's contribution to a recognised provident fund above 12% of salary: no longer taxed by itself (Schedule XI Part A para 6, from TY 2026-27)
- New-regime slab rates on taxable income
- Old-regime slab rates: individuals below 60, and non-residents of any age
- Old-regime slab rates: resident individuals aged 60 to 79
- Old-regime slab rates: resident individuals aged 80 or more
- Standard deduction on salary
- Rebate, new regime
- Rebate, old regime
- Surcharge rates
- Health and education cess
- Rounding of total income and of tax payable/refund
- Deduction for life insurance premia, provident fund and the other Schedule XV payments (s.123, formerly 80C)
- Deduction for the individual's own NPS contribution (s.124(3), formerly 80CCD(1B))
- Deduction for health insurance premia (s.126, formerly 80D)
- Deduction for interest on bank, co-operative bank and post office deposits (s.153, formerly 80TTA and 80TTB)
- Interest on a home loan for a self-occupied house (s.22(1)(b)–(c), capped by s.22(2); formerly s.24(b))
- Employer NPS contribution deduction (s.124, formerly 80CCD(2))
- Income-tax Act 2025 in force; "Tax Year" replaces previous year / assessment year
- HRA exemption: the part of a house rent allowance not taxed (Schedule III Sl. No. 11; Income-tax Rules 2026 rule 279)
- Cities with 50% HRA exemption limit: Delhi, Mumbai, Kolkata, Chennai → Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad (all others 40%); old regime only
- Tax-exempt gratuity paid under the Code (s.19(1) Table Sl. No. 5, as we read it)
- Tax-exempt gratuity, "any other gratuity" (s.19(1) Table Sl. No. 6): the limit based on salary
- Gratuity paid to heirs on an employee's death (Schedule III Sl. No. 38)
- Government employees' gratuity (s.19(1) Table Sl. No. 3)
-
14 changes
- "Wages" 50% add-back
- Four Labour Codes in force
- ESI: the wages that decide coverage and contributions
- ESI wage ceiling
- ESI: establishments covered
- Statutory bonus: wage ceiling for eligibility
- Statutory bonus: wage ceiling for the calculation
- Statutory bonus: minimum and maximum
- Statutory bonus: establishments covered
- Gratuity payable
- Gratuity eligibility: continuous service
- Fixed-term employee gratuity eligibility
- Who the Code's gratuity chapter covers
- Continuous service for gratuity (Code on Social Security, 2020, s.54)
-
- Professional tax, Karnataka (salary or wage earners)
- EPF interest rate
-
- Professional tax, Maharashtra (salary and wage earners)
-
- Professional tax, Gujarat (salary and wage earners)
Mistakes we have fixed on any page are listed on Corrections.