NPS Restructuring Calculator
See exactly how much extra money you can save via 80CCD(2) employer contributions — turning tax money into personal wealth instantly.
50%
% of Total CTC
₹ 7,50,000/yr
10%
% of Basic Salary (80CCD(2))
0% to 14% Limit
Net Monthly Benefit
₹0
Pure tax saved and completely retained as your long-term wealth.
Current Scenario
Cash In-Hand:
₹0/mo
Tax Payable:
₹0/mo
NPS Invested:
₹0/mo
With NPS Restructuring Optimized
Cash In-Hand:
₹0/mo
Tax Payable:
₹0/mo
NPS Invested:
₹0/mo
Calculation Assumptions & Disclaimers
- Tax Slabs: Calculations use the latest FY 2024-25 (AY 2025-26) slab rates, including the ₹75,000 standard deduction for the New Regime and ₹50,000 for the Old Regime.
- Simplified Take-Home: 'Cash In-Hand' is calculated strictly as [Total CTC - Income Tax - NPS Component]. It deliberately isolates standard EPF, Professional Tax, and other basic corporate deductions to purely show the exact tax benefit delta.
- Marginal Relief & CESS: Section 87A rebate is factored in, including the exact Marginal Relief limits for the New Regime. A standard 4% Health & Education cess is applied to all tax.
- Information Only: This tool is designed strictly for educational and comparative purposes. Please consult your HR department, investment advisor or a certified CA before formally restructuring your salary.