Optimiser · FY 2026-27
Salary Structure Optimizer - maximise take-home, legally.
HRA · NPS · LTA · Meal vouchers · Home loan interest
Most salaried employees overpay tax because their CTC isn't structured properly. This tool redesigns your salary breakup (HRA, NPS, meal vouchers, LTA) to legally reduce your tax with zero risk. Takes 2 minutes. Used by 500+ employees.
Step 1 · Your current salary
Metro = Mumbai · Delhi · Kolkata · Chennai
How this is computed
- ·Standard deduction: ₹75,000 (new regime) / ₹50,000 (old regime), FY 2026-27.
- ·HRA exemption (old regime) = min of: actual HRA · rent − 10% basic · 50%/40% of basic (metro/non-metro).
- ·LTA assumed ₹25,000/yr (twice in a block of four calendar years, on actual travel bills).
- ·Meal vouchers ₹50/meal × 22 days × 24 = ₹26,400/yr tax-free under old regime.
- ·NPS 80CCD(1B): up to ₹50,000 over ₹1.5L 80C ceiling.
- ·Employer NPS 80CCD(2): up to 10% of basic, deductible in BOTH regimes.
- ·Home loan interest 24(b): up to ₹2,00,000 on self-occupied (old regime only).
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