Salary hike calculator
A hike on paper is not a hike in your bank account. Enter your current CTC and the raise you have been offered to see what actually reaches you each month for FY 2026-27, how much extra tax it triggers, and what share of the increase you keep.
12 lakh
New CTC: ₹14,40,000
Extra in your account every month
+₹11,787
₹88,276 a month becomes ₹1,00,063
CTC change
+₹2,40,000
20% on paper
Take-home change
13.3%
What you actually feel
Extra tax
₹70,901
A year
You keep
59%
Of the extra CTC
Your CTC rises 20%, but your take-home rises 13.3%. Of the ₹2,40,000 added to the package, you keep ₹1,41,441 a year. The rest goes to tax and provident fund.
| Current CTC | After the hike | |
|---|---|---|
| Total package | ₹12,00,000 | ₹14,40,000 |
| Monthly in-hand | ₹88,276 | ₹1,00,063 |
| Annual take-home | ₹10,59,312 | ₹12,00,753 |
| Income tax a year | ₹0 | ₹70,901 |
| Effective tax rate | 0% | 5.3% |
To take home an extra ₹10,000 a month you would need a CTC of about ₹13,35,630, a 11.3% hike. Tax is progressive, so the bigger your salary the bigger the raise needed to move your monthly pay.
What a 30% hike is really worth
The same percentage is worth a very different amount depending on where you start, because the extra income is taxed at your top slab rate. These are real figures from the calculator, assuming Karnataka professional tax.
| Current CTC | New CTC | Extra per month | Take-home rise | You keep |
|---|---|---|---|---|
| ₹10,00,000 | ₹13,00,000 | +₹22,119 | 30.1% | 88% |
| ₹15,00,000 | ₹19,50,000 | +₹27,098 | 26.2% | 72% |
| ₹20,00,000 | ₹26,00,000 | +₹33,020 | 24.7% | 66% |
| ₹30,00,000 | ₹39,00,000 | +₹44,530 | 23.9% | 59% |
Questions about salary hikes
- How do I calculate my salary after a hike?
- Multiply your current CTC by the hike percentage to get the new CTC, then run that through a tax calculation. The part people miss is that take-home rises by less than the CTC, because the extra income is taxed at your top slab rate and your provident fund contribution rises with your basic pay.
- A 30% hike means how much more per month?
- It depends entirely on your current salary. At 10 lakh a 30% hike adds far more of itself to your pocket than at 30 lakh, because the higher salary is taxed at 30% rather than 5% or 10%. The calculator above shows the exact monthly figure for your numbers.
- Why is my in-hand hike lower than my CTC hike?
- Three reasons. Income tax takes a share of every extra rupee at your marginal rate, which can be 30% plus 4% cess. Your provident fund contribution is a percentage of basic pay, so it rises too, and that money goes to your PF account rather than your bank. Employer PF and gratuity in the CTC never reach you as cash at all.
- What is a good salary hike in India?
- That depends on your role, city and the market, which no calculator can judge. What this tool tells you is the honest number: what a given hike is worth in your account each month after tax and PF, so you can compare offers on the figure that actually reaches you.
Assumes basic pay at 40% of CTC, employer PF and gratuity inside the CTC, and the new tax regime unless the old one works out cheaper. Rules reviewed 20 August 2026.