Why is 40% basic salary often better?

Lowering basic to 40% reduces the mandatory 12% EPF deduction, increasing your monthly liquidity. However, this may slightly reduce your long-term retirement corpus.

Can I opt out of employer PF contribution?

If your basic salary is above ₹15,000, you and your employer can mutually agree to cap PF contributions at ₹1,800/month, which significantly boosts in-hand pay.

Salary Restructuring OptimizerFY 2026-27

Optimize your CTC breakup (Basic, HRA, FBP) to maximize take-home pay under FY 2026-27 tax rules.

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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.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

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.