Salary Structure Optimizer — maximise take-home, legally.

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.

• ·Standard deduction: ₹75,000 (both regimes, 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 the ₹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).

Want a senior CA to sanity-check your numbers?

30 minutes. Free. Written recap within 24 hours.