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Tax

Salary Restructuring Calculator

Explore how rebalancing salary components could improve your in-hand pay, tax-efficiently.

Your package

₹
₹

Estimated benefit (old regime)

Potential tax saved
₹1,24,925
vs an unstructured salary
Total exempt allowances
₹4,00,400
Tax - flat salary
₹3,51,000
Tax - structured
₹2,26,075

Suggested tax-friendly components

  • HRA exemption
    Sec 10(13A), based on rent paid
    ₹2,28,000
  • Meal coupons
    Rs.2,200/month, tax-free
    ₹26,400
  • LTA
    On actual travel, twice in 4 years
    ₹50,000
  • Phone & internet reimbursement
    Against bills
    ₹24,000
  • Employer NPS (80CCD(2))
    Up to 10% of basic
    ₹72,000

Assumes basic = 40% of CTC (₹7,20,000). These benefits apply under the old regime and depend on your employer's policy and actual expenses with valid proofs.

Educational tool only. Results are estimates based on the inputs you provide and simplified assumptions. This is not investment, tax or insurance advice, and RoboAdvisor.in is not a SEBI-registered investment adviser. Consult a qualified professional before acting.