Payslip decoder
Your CTC is not your salary. Here's what reaches your bank.
From your offer letter.
In hand a month, new regime₹45,000
In hand a month, old regime₹45,000
Tax a year (new / old)₹0 / ₹0
PF a year (yours + employer's)₹28,800 + ₹28,800
The new regime leaves more in your bank for this salary, before any rent or 80C beyond PF.
Rules as of FY 2026-27. Basic is 40% of CTC and HRA is 40% of basic. PF is 12% of full basic, from you and from your employer. Professional tax ₹2,400 a year (KA). Your offer letter's split may differ; this is an estimate.
The app also handles rent, HRA and other deductions. Estimates only, not tax advice.