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New Salary Structure Calculator 2026

Use this calculator to understand how your salary structure can feel after basic pay is rebalanced under the New Labour Code wage definition: how monthly take-home may change, how much extra flows into PF, and how gratuity starts building every month.

Instant salary impact calculator

CTC daaliye, current basic structure select kijiye, aur dekhiye new wage definition ke baad monthly in-hand kitna change ho sakta hai.

Current Basic Salary % of CTC40%
Employee PF contribution preference

Current Monthly CTC

₹83,333

State wage floor used

₹20,358/month

Annual CTC band

10L

New wage base

₹41,667/month

New Monthly Take-Home

₹73,133

Calculated for Delhi with a IT/ITES salary structure.

⚠️ Your take-home salary will DECREASE by ₹2,000/month

📈 Your PF contribution will INCREASE by ₹1,000/month

This happens because basic salary is increased to 50% of CTC under the new labour code.

Annual Impact Overview:

Over a year, take-home changes by ₹24,000. Your PF corpus grows by ₹12,000 a year more, and your gratuity accrual increases by ₹400.65 each month.

ComponentOld StructureNew Structure
Basic₹33,333₹41,667
HRA₹16,667₹20,833
PF (employee)₹4,000₹5,000
PF (employer)₹4,000₹5,000
Gratuity accrual₹1,603₹2,003
Professional Tax₹200₹200
Net Take-Home₹75,133₹73,133
Confidence note: Estimate based on standard assumptions (12% PF, 50% basic rule, flat ₹200 PT). Actual numbers may differ based on employer policy and state-specific slabs.
This is an estimate based on new labour code rules.
Last updated: 30 March 2026

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Understand 50% basic salary rule →Check PF increase details →Learn about gratuity changes →

Quick Examples (2026)

These examples show how the same annual CTC can feel different monthly when your payroll rebalances salary toward the 50% wage level.

Example 1: Annual CTC ₹5,00,000

If basic pay is increased to align with the 50% wage rule, PF deductions usually rise and monthly in-hand salary can dip, while retirement savings and gratuity accrual improve.

Example 2: Annual CTC ₹10,00,000

At this CTC, the rupee-value impact is typically more visible: take-home may reduce month to month, but employer contributions and long-term social-security-linked benefits tend to increase.

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How to read your result

The comparison table is monthly because that's how most employees experience the change. If your take-home falls, it usually means the same CTC is being redistributed into PF, employer PF, and gratuity-linked benefits instead of pure monthly in-hand salary.

The tool assumes a simplified professional tax estimate and uses a state wage reference for the basic-pay floor. If your company uses city-specific HRA logic, capped PF, or special allowances, treat the output as a strong estimate rather than payroll finality.

Need context before you present this to HR? Read the 50% basic salary rule explainer, the PF contribution guide, and the gratuity page.

Frequently Asked Questions

Take-home salary often falls when basic pay is pushed higher, because PF and gratuity-linked components rise. Your total CTC may stay the same, but more of it gets redirected into long-term benefits instead of monthly in-hand pay.
It is the commonly discussed rule that wages, defined broadly as basic pay plus certain allowances, should generally not fall below 50% of total remuneration. If your current salary structure keeps basic much lower than that threshold, PF and gratuity can rise when the structure is realigned.
PF is linked to basic wages, so a higher wage base usually means a higher employee PF deduction and a matching employer PF outflow. That can reduce monthly take-home while improving long-term retirement savings.
Start with your annual CTC, estimate your present basic salary percentage, then compare it with a structure where the wage base is at least 50% of CTC. Recalculate PF, gratuity accrual, and professional tax to see the monthly in-hand difference.
HRA can change because many salary structures set it as a percentage of basic salary. If basic rises, HRA may also rise numerically, but your HRA tax exemption may not increase proportionately because the rest of your wage structure changes too.
Professional tax is state-specific and the labour codes do not directly rewrite those state tax slabs. For quick estimating, many payroll tools still model a flat monthly charge, but your actual deduction depends on the state slab in force.
Employees whose salary structure has low basic pay and high allowances are usually the most affected, because payroll often has to rebalance wages toward the 50% level. People in sectors with fixed salary templates, including many private-service and IT roles, can notice a bigger PF deduction and lower monthly take-home even when total CTC stays the same.