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Monthly in-hand = Monthly gross salary minus Employee PF (12% of basic, maximum ₹3,000/month) minus Income Tax TDS minus Professional Tax. Gross salary = Annual CTC minus Employer PF minus Gratuity (if in CTC), divided by 12. Use the CTC to In-Hand Calculator for an instant breakdown.

The new regime is better if your total deductions (80C + HRA exemption + 80D + others) are less than roughly ₹3.75 lakh/year. If you have significant 80C investments and pay rent in a metro, the old regime often saves more. The Tax Regime Picker gives you a personalised answer in seconds.

PF should be 12% of your basic salary, capped at ₹3,000/month (because the PF wage ceiling is ₹25,000 from 17 September 2026). If your basic is ₹40,000, your PF deduction should still be ₹3,000 — not ₹4,800. Use the Payslip Decoder to verify your PF automatically.

Key red flags: (1) Variable pay linked to company performance, not your own targets, (2) Non-compete clauses over 6 months, (3) Clawback clauses on bonuses or joining bonus, (4) ESOP vesting cliff over 12 months, (5) Gratuity and employer PF included in CTC number — these aren't monthly cash. Check your offer with the Offer Letter Analyser.

Notice buyout = (Monthly salary ÷ 26 working days) × remaining days. Some companies calculate on basic salary only (cheaper for you); others on gross salary. Verify your offer letter. Calculate yours with the Notice Period Calculator.

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