FinPulse CTC Analyzer

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Enter your gross annual package in Lakhs Per Annum (LPA)

₹ LPA
Gross Annual: ₹12,00,000 Monthly Gross: ₹1,00,000
Quick Select:
Tax Computation Rules Zero Assumed 80C

Loan settings

Drives the EMI card and both take-home ledgers

%

% of CTC · ₹2,40,000

yr

60 monthly instalments

%

per year, reducing balance

Savings settings

Standard saving deduction

%

% of CTC · ₹2,40,000 / yr

Quick:
40% Allocation 4.80 LPA

40% Component of 12 LPA

Direct 40% share of your 12 LPA gross CTC

₹4,80,000

/ year
Monthly Equivalent: ₹40,000 / mo
20% Loan • 5 Years Principal: 2.40 LPA

5-Year Monthly EMI (on 20% of 12 LPA)

60-month reducing-balance schedule

₹5,040

/ mo (60 months)
Annual EMI Outflow: ₹60,485 / yr
Total 5-Year Interest (9.5%): ₹62,427
20% Retirals & Benefits 2.40 LPA

Medical Insurance, Gratuity & PF (20% of 12 LPA)

Employer retiral & insurance deduction from CTC

₹2,40,000

/ year
Monthly Deduction: ₹20,000 / mo
20% Standard Saving 2.40 LPA

Standard Saving Deduction (20% of 12 LPA)

20% of 12 LPA allocated to savings

₹2,40,000

/ year
Monthly Saving Outflow: ₹20,000 / mo

Additional Custom Deductions (0 Items)

Total: ₹0 / yr (₹0 / mo)

Add unlimited custom deductions (by % of 12 LPA, fixed ₹/month, or fixed ₹/year) to see exact final in-hand pay.

Quick Add:
Final Net Take-Home Summary

Net LPA & Monthly In-Hand Salary (Post-Saving & Deductions)

Calculated on 12 LPA after deducting 20% Medical/Gratuity/PF, Income Tax, 5-Year Loan EMI, 20% Standard Savings, and Custom Deductions.

New Regime saves ₹1,79,400 / yr in tax
New Tax Regime u/s 115BAC (Default)
Effective Tax: 0.0%
Final Monthly In-Hand ₹54,960 After PF, Tax, EMI, Saving & Custom
Final Annual In-Hand 6.60 LPA ₹6,59,515 / year
Gross Annual CTC (12 LPA)
₹12,00,000
(−) 20% Medical, Gratuity & PF
− ₹2,40,000
(−) New Regime Income Tax
− ₹0
In-Hand Before EMI & Savings
₹9,60,000 / yr (₹80,000/mo)
(−) 5-Year Loan EMI (on 20% of 12 LPA)
− ₹60,485 / yr (₹5,040/mo)
In-Hand After EMI (Pre-Saving)
₹8,99,515 / yr (₹74,960/mo)
(−) 20% Standard Savings
− ₹2,40,000 / yr (₹20,000/mo)
(−) Custom Deductions (0 items)
− ₹0 / yr (₹0/mo)
Final spendable cash after all deductions 55.0% of CTC
Old Tax Regime Pure Slabs (No Assumed 80C)
Effective Tax: 14.9%
Final Monthly In-Hand ₹40,010 After PF, Tax, EMI, Saving & Custom
Final Annual In-Hand 4.80 LPA ₹4,80,115 / year
Gross Annual CTC (12 LPA)
₹12,00,000
(−) 20% Medical, Gratuity & PF
− ₹2,40,000
(−) Old Regime Income Tax
− ₹1,79,400
In-Hand Before EMI & Savings
₹7,80,600 / yr (₹65,050/mo)
(−) 5-Year Loan EMI (on 20% of 12 LPA)
− ₹60,485 / yr (₹5,040/mo)
In-Hand After EMI (Pre-Saving)
₹7,20,115 / yr (₹60,010/mo)
(−) 20% Standard Savings
− ₹2,40,000 / yr (₹20,000/mo)
(−) Custom Deductions (0 items)
− ₹0 / yr (₹0/mo)
Pure slab tax with zero assumed deductions 40.0% of CTC

Visual CTC Distribution (New Regime Basis)

How every ₹100 of your 12 LPA is split across net cash, savings, custom deductions, retirals, EMI & taxes

Total: ₹12,00,000 (100%)
Final Net Cash ₹6,59,515 (55.0%)
20% Std Savings ₹2,40,000 (20.0%)
Custom Deductions ₹0 (0.0%)
20% Med / PF / Grat. ₹2,40,000 (20.0%)
Annual Loan EMI ₹60,485 (5.0%)
Income Tax (New) ₹0 (0.0%)

New Tax Regime Breakdown (FY 2026–27)

Section 115BAC • Computed directly on Gross 12 LPA

7-Slab Structure
Income Slab Rate Taxable Amt Tax

Old Tax Regime Breakdown (FY 2026–27)

Individual <60 yrs • Computed directly on Gross 12 LPA

4-Slab Structure
Income Slab Rate Taxable Amt Tax