Salary Hike vs Job Switch
Monthly take-home on your current salary and on a hike or a new offer, using this site’s tax maths. You type any PF or professional tax. Calculated instantly in your browser.
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Your result
Extra take-home per month, new regime
₹16,875
- Offer take-home per month, new regime
- ₹1,16,875
- Current take-home per month, new regime
- ₹1,00,000
- Extra take-home per month, old regime
- ₹17,200
- Tax on the offer, new regime
- ₹97,500
- Tax on the current salary, new regime
- ₹0
Chacha's tip
Small changes move the numbers more than you'd think. Tap one to try it.
- Tax Year 2026-27, resident under 60. Salary before standard deduction, the same gross the income-tax calculator uses. New-regime tax here is ₹0 on the current salary and ₹97,500 on the offer.
- “Other deductions” are employee PF, professional tax, or anything else that leaves the bank and is not already removed from the salary you typed. They reduce take-home. They do not reduce tax on this page. Old-regime 80C, HRA and home-loan interest are not applied. For that stack, run each salary in the income-tax calculator.
- Cost-to-company, a joining bonus and employer PF are not in the result unless you included the taxable part in the salary. A hike and a job switch use the same two boxes.
Current salary and the offer
| Item | Current | Offer or hike |
|---|---|---|
| Annual salary you typed | ₹12,00,000 | ₹15,00,000 |
| Tax, new regime | ₹0 | ₹97,500 |
| Tax, old regime, no 80C or HRA | ₹1,63,800 | ₹2,57,400 |
| Other annual deductions you typed | ₹0 | ₹0 |
| Monthly take-home, new regime | ₹1,00,000 | ₹1,16,875 |
| Monthly take-home, old regime | ₹86,350 | ₹1,03,550 |
Disclaimer: A take-home sketch for two salaries you typed, not a salary offer and not tax advice.
How it's calculated
Take-home per month = (salary − tax − other deductions you typed) ÷ 12
Tax is the income-tax calculator’s result for that salary, with no 80C, HRA, 80D or NPS
A higher CTC can hide a small change in the amount that reaches the bank. This page runs both salaries through the same tax code and subtracts only the non-tax deductions you type.
Assumptions
- Resident individual under 60.
- No 80C, HRA, 80D, home-loan interest or NPS on this page.
- Other deductions do not change the tax.
- No surcharge threshold is special-cased beyond the income-tax calculator.
How to use this calculator
- Enter the current salary. Annual salary before standard deduction, not CTC.
- Enter the offer or the hiked salary. The new annual salary on the same basis.
- Add deductions that leave the bank. Employee PF and professional tax, as annual amounts you already see. Leave them at zero if the salary you typed is already after them.
- Read the monthly gap. New-regime take-home is the main line. Old regime on this page ignores 80C and HRA.
Frequently asked questions
What salary do I type?
The annual salary before standard deduction, the same figure the income-tax calculator calls gross. Do not type cost-to-company. Leave employer PF out unless it is already inside that taxable salary.
Is a hike different from a job switch here?
No. Both are two annual salaries. A switch can also change HRA, rent and the PF deduction. Those are not guessed. Type the new PF or professional tax in the offer’s other-deductions box, and check HRA on the HRA calculator.
Which tax regime is the monthly figure?
The primary figure is the new regime for Tax Year 2026-27, including cess, for a resident under 60. A second line shows the old regime with only the standard deduction. 80C, HRA, 80D and home-loan interest are not subtracted.
Why is old-regime take-home lower than I expect?
Because this page does not apply 80C or HRA. Employee PF you type reduces cash in hand, but it is not treated as an 80C deduction here. Open the income-tax calculator for a salary that has those deductions.
Does a joining bonus count?
Only the part you type into the offer. A one-time bonus is not the same as a higher salary every month. If you put the whole bonus into the annual salary, the monthly take-home pretends it repeats.
What about someone over 60?
The old-regime column uses the under-60 slabs. Use the income-tax calculator, which has an age field, if that applies.
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Results from FinanceChacha are estimates for planning and education, not financial, tax or legal advice.