Optimiser · FY 1969-70
Restructure your CTC, pay less tax.
HRA · NPS · LTA · Meal vouchers · Home loan interest
Most salaried employees pay more tax than they should because their salary structure isn't optimised. Enter your CTC and a few details — the tool redesigns your salary breakup to legally maximise your take-home pay using HRA exemption, NPS deduction, meal vouchers, and LTA. Works for both old and new tax regime.
Your details
Tax comparison · New regime
Current tax
₹1,50,800
Optimised tax
₹1,50,800
You save
₹0 per year
≈ ₹0 per month
Optimised — Old regime₹1,93,627
Optimised — New regime₹1,50,800
Optimised salary breakup
| Component | Monthly | Annual |
|---|---|---|
| Basic | ₹60,000 | ₹7,20,000 |
| HRA | ₹30,000 | ₹3,60,000 |
| LTA | ₹2,083 | ₹25,000 |
| Meal Vouchers | ₹2,200 | ₹26,400 |
| Special Allowance | ₹55,717 | ₹6,68,600 |
| Gross CTC | ₹1,50,000 | ₹18,00,000 |
Plus: Employer NPS contribution of ₹72,000/yr (10% of basic) deductible under Sec 80CCD(2) — over and above CTC, applies in both regimes.
Disclaimer: This is an estimate. Actual tax depends on investments made and employer flexibility.
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- ·Standard deduction: ₹75,000 (both regimes, FY 1969-70).
- ·HRA exemption (old regime only) = min of: actual HRA · rent − 10% basic · 50%/40% of basic (metro/non-metro).
- ·LTA exemption assumed at ₹25,000/yr (twice in a block of four calendar years, on actual travel bills).
- ·Meal vouchers (Sodexo/Zeta/Sugmya) ₹50/meal × 22 days × 24 = ~₹26,400/yr tax free under old regime.
- ·NPS 80CCD(1B): up to ₹50,000 extra over the ₹1.5L 80C ceiling.
- ·NPS employer 80CCD(2): up to 10% of basic, deductible in both regimes; treated as over-and-above CTC here.
- ·Home loan interest under Section 24(b): up to ₹2,00,000 on self-occupied property (old regime only).
- ·80C assumption: ₹1,50,000 fully utilised via EPF, ELSS, PPF, LIC etc.
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