Salary Decrease Calculator India 2026
Use our dedicated salary decrease calculator to instantly see the real impact of the New Labour Code on your monthly in-hand pay. Just enter your CTC.
CTC daaliye, current basic structure select kijiye, aur dekhiye new wage definition ke baad monthly in-hand kitna change ho sakta hai.
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
Calculated for Delhi with a IT/ITES salary structure.
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.
| Component | Old Structure | New 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 |
Last updated: 30 March 2026
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The Simple Explanation
In India, your CTC (Cost to Company) is divided into Basic Salary and Allowances. The government has ruled that Allowances can no longer exceed 50% of your total pay.
If they do, the excess amount is automatically treated as Basic Salary. Because Provident Fund (PF) is deducted from your Basic Salary (at 12%), a suddenly higher Basic Salary means a heavily increased PF deduction. The money isn't lost—it simply moves from your bank account to your PF account.