Quick Summary: Salary Restructuring Optimizer

To maximize in-hand salary in 2026, keep Basic Salary at 40% of CTC if your income is high (to minimize PF leakage) or 50% if you live in a Metro and want to maximize HRA exemption under the Old Regime. This tool models both scenarios instantly.

How to use the Salary Restructuring Optimizer

  1. Input CTC details

    Enter your annual CTC and basic salary percentage (typically 40% or 50% of CTC).

  2. Adjust HRA & Special Allowance

    Configure HRA based on metro/non-metro location and declare your actual house rent paid.

  3. Optimize Flexi allowances

    Tune meal cards, LTA, and phone reimbursements to minimize your taxable salary components.

Related Calculators

In-Hand Salary Calculator
Flexi-Benefit Plan Modeller
Maternity & Paternity Financial Planner
Salary Hike Calculator

Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.