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Salary Decrease or Increase Calculator — New Labour Code 2026

Not sure if the new rules help or hurt you? Enter your CTC and current basic % below. The calculator shows your exact take-home change, PF growth, and gratuity impact — colour-coded so you know instantly.

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 →
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Real Salary Impact Examples

See how employees across different CTC bands are affected.

CTCOld Take-HomeNew Take-HomeChangePF Growth
₹5 LPADelhi · Basic 30%₹38,467₹36,467↓ ₹2,000+₹12,000/yr
₹8 LPAMaharashtra · Basic 35%₹60,867₹58,467↓ ₹2,400+₹14,400/yr
₹10 LPAKarnataka · Basic 40%₹75,133₹73,133↓ ₹2,000+₹12,000/yr
₹15 LPATamil Nadu · Basic 35%₹1,14,300₹1,09,800↓ ₹4,500+₹27,000/yr
₹20 LPAHaryana · Basic 30%₹1,54,467₹1,46,467↓ ₹8,000+₹48,000/yr

All examples use 12% mandatory PF, IT/ITES industry, and the respective state minimum wage floor.

Step 1: Establish Current Structure

We take your Annual CTC and multiply by your current Basic % to get your existing Basic Salary.

Step 2: Apply 50% Wage Rule

Under the new code, Basic Salary must be at least 50% of CTC. We also check if the state minimum wage is higher and use whichever is greater.

New Basic = max(CTC × 50%, State Minimum Wage × 12)

Step 3: Recalculate Deductions

PF: Basic × 12% (employee + employer match)

Gratuity: (Basic ÷ 26) × 15 days per year

Professional Tax: ₹200/month (standard estimate)

Step 4: Compute Take-Home

Take-Home = CTC − Employee PF − Employer PF − Professional Tax
Assumptions: HRA is set at 50% of Basic. Professional Tax is a flat ₹200/month estimate. Actual numbers may vary by employer policy, state PT slab, and specific allowance contracts.

Frequently Asked Questions

For most employees whose basic salary is under 50% of CTC, take-home will decrease slightly while PF and gratuity grow significantly. If your basic is already at or above 50%, you may see no change or a slight increase.
Employees with low basic salary percentages (20–35%) see the largest shift. Their retirement savings (PF + gratuity) can grow by ₹2,000–8,000 per month while take-home drops by ₹1,000–4,000.
Yes. Your total CTC does not change. Only the distribution between take-home and retirement benefits shifts.

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Salary Calculator Home →Will my salary decrease? →Will my salary increase? →Is salary increase or decrease? →Salary decrease calculator India →Check PF increase →PF calculator — new labour code →Understand 50% basic salary rule →