Salary Hike Calculator

FY 2026-27 · See your real monthly gain after tax — not just the hike percentage on paper.

Real Monthly Gain
—
—
Old CTC
—
→
New CTC
—

Monthly Breakdown

ComponentOldNew
Explore Highest Paying Jobs in India 2026 →
Calculated for FY 2026-27 under the new tax regime, assuming Basic = 40% of CTC, Employee PF capped at ₹1,800/month, Professional Tax at ₹200/month and no other deductions. Actual in-hand can differ based on your exact CTC structure, HRA, bonuses paid separately, and old-regime deductions. India average hike figure (8.9%) is from Aon's 2026 salary increase survey — verify current-year figures separately.

Frequently Asked Questions

Why is my real salary hike gain lower than the hike percentage?

Your hike percentage applies to your CTC, not your in-hand salary. As your CTC rises, your income tax can also rise — sometimes pushing you into a higher tax slab. The real gain in your bank account is your new in-hand salary minus your old in-hand salary, after PF, professional tax and income tax, which is almost always smaller than a simple percentage of the hike would suggest.

What is a good salary hike percentage in India?

According to Aon's 2026 salary increase survey, the average salary hike across Indian companies is around 8.9%. A hike above this is considered above average, while anything meaningfully below it is below the market trend. However, what matters more than the headline percentage is the real in-hand gain after tax, especially if the hike pushes you into a higher tax bracket.

Why did I get taxed more even though my hike wasn't that big?

Under the new tax regime, if your taxable income (CTC minus the ₹75,000 standard deduction) crosses ₹12,00,000, you lose the Section 87A rebate entirely and pay tax on your full income using the slab rates — not just on the amount above ₹12L. This "cliff" effect means even a modest hike that pushes you just over the ₹12L taxable-income line can meaningfully reduce your real in-hand gain.