About the Increment CTC Calculator
What is the Increment CTC Calculator?
A 12% increment on CTC does not always mean 12% more in your account. PF rises with basic, and crossing a tax slab can take a bite. This calculator shows your in-hand salary before and after.
It uses the same CTC breakup and FY 2025-26 tax rules as the salary calculator.
How to use the Increment CTC Calculator
- Annual CTC (₹) (sample: 12,00,000)
- Increment (%) (sample: 12)
- Basic Pay (% of fixed CTC) (sample: 40)
- Provident Fund (sample: 12% of full basic)
- Tax Regime (sample: New regime (default))
- Professional Tax (₹ per year) (sample: 2,500)
- Press Calculate New CTC & In-Hand (results also refresh as you type). The result card shows the Increase in Monthly In-Hand, along with New CTC, Monthly in-hand before, Monthly in-hand after and In-hand increase %.
Formula used
In-hand increase = In-hand(CTC × (1 + Increment)) − In-hand(CTC)
Tax follows FY 2025-26 rules: under the new regime, taxable income up to ₹12 lakh (₹12.75 lakh of salary) pays no tax.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Annual CTC (₹) | 12,00,000 |
| Increment (%) | 12 |
| Basic Pay (% of fixed CTC) | 40 |
| Provident Fund | 12% of full basic |
| Tax Regime | New regime (default) |
| Professional Tax (₹ per year) | 2,500 |
| Result | Value |
|---|---|
| Increase in Monthly In-Hand | ₹10,617 |
| New CTC | ₹13,44,000 |
| Monthly in-hand before | ₹88,268 |
| Monthly in-hand after | ₹98,885 |
| In-hand increase % | 12.03% |
| Extra income tax per year | ₹0 |
Tips for using the Increment CTC Calculator
- Check whether the increment applies to fixed pay, variable pay or both.
- Near the ₹12 lakh taxable-income mark, marginal relief softens the jump in tax.