Excluded from the monthly figure.
Advanced assumptions
40%
Tax-free in both regimes; reduces cash gross.
Goes to your PF, reduces monthly credit.
CTC · per annum₹18,00,000
Monthly in-hand
₹1,19,778New regime (FY 2025-26 / 2026-27) · take-home every month
Annual take-home
₹14,91,971
Total tax
₹1,32,829
Effective rate
7.8%
The new regime saves ₹1,43,665/yr · live slabs included
Where your CTC goes
Take-home · 83%
Income tax · 7%
Employee PF · 5%
Employer PF · 5%
Professional tax · 0%
Typical monthly payslip
Earnings
Basic salary₹60,000
House rent allowance₹30,000
Special allowance₹52,800
Deductions
Income tax (TDS)−₹11,069
Provident fund−₹7,200
Professional tax−₹200
Net credit₹1,24,331
Illustrative split. Varies by employer.
Annual breakdown — New regime (FY 2025-26 / 2026-27)
| Total CTC | ₹18,00,000 |
| Employer PF (in CTC) | −₹86,400 |
| Gross salary | ₹17,13,600 |
| Standard deduction | −₹75,000 |
| Taxable income | ₹16,38,600 |
| Income tax (incl. surcharge + cess) | −₹1,32,829 |
| Employee PF (12% of basic) | −₹86,400 |
| Professional tax | −₹2,400 |
| Annual take-home | ₹14,91,971 |
Simplified · not tax advice.
ESOP / RSU modeler
Vesting schedule and equity value over time.
Annualised equity
₹3,00,000
Grant ÷ 4 yrs, before growth
4-yr cumulative
₹12,00,000
Flat (0% growth)
Vested value by year
Year 1
₹3,00,000
Year 2
₹3,00,000
Year 3
₹3,00,000
Year 4
₹3,00,000
GCC RSUs typically vest 25%/yr after a 1-year cliff. Growth is an assumption, not a forecast. Showing a ₹12L example — enter your grant to model your own.