Pay raise calculator
Find the real monthly value of your next raise.
Extra monthly pay after income tax
FY 2026–27 · Resident individuals below 60 · Ordinary income up to ₹50 lakh.
Understand your result.
See the estimated monthly effect of a percentage salary increase after income tax. This helps distinguish a headline annual raise from the additional income available each month.
The gross salary increase and the increase after tax differ. Changes in PF, benefits and variable-pay structure may change actual take-home further.
A worked example.
Using this calculator’s default inputs, extra monthly pay after income tax is ₹11,880. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Annual gross salary | ₹18,00,000 |
|---|---|
| Salary increase | 10 % |
| Tax regime | New regime |
| Eligible old-regime deductions | ₹1,50,000 |
A common mistake to avoid
Assuming the entire percentage increase becomes spendable monthly cash.
Questions you might have.
Does it calculate PF changes?
No. This comparison isolates income tax on gross cash salary. Use CTC to Take-home with your revised payroll costs for a broader estimate.
Are deductions increased automatically?
No. The same entered eligible deductions are used for both salary scenarios.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Monthly increase after income tax = ((new salary − new tax) − (old salary − old tax)) ÷ 12.
Assumptions & things to know
FY 2026–27 planning estimate for resident individuals below 60, ordinary income up to ₹50 lakh. Includes the ₹75,000 new / ₹50,000 old salary standard deduction, resident rebate, new-regime rebate marginal relief and 4% cess. Excludes capital gains, surcharge, foreign tax credits, agricultural income and special-rate income. Inputs are rounded to the nearest ₹10 for taxable income; final tax to the nearest ₹10. Check eligibility and current rules before filing. Compares gross cash salary. Changes in PF, benefits, professional tax and bonus structure are excluded.
Income Tax Department — tax ratesSource references checked 29 October 2026. Rates and rules may change.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.