Find which tax regime gives you the better salary verdict.
Compare old and new tax regime outcomes with the same salary inputs and see the annual tax difference.
Estimated Monthly Take-Home
Enter your annual salary to see your verdict.
Choose a country and add your salary details. PayVerdict will estimate take-home pay locally in your browser without storing your salary data.
How to read your take-home estimate
Your in-hand figure is your gross fixed pay minus income tax, provident fund, and professional tax. CTC, by contrast, bundles in employer contributions and conditional variable pay that never reach your bank account — which is why take-home is always lower than the number on your offer letter.
Two jobs with the same CTC can pay different amounts each month. The split between basic and allowances changes your PF, and a large variable component inflates CTC without guaranteeing cash. Read the breakdown above rather than comparing headline CTCs.
The levers you actually control are your tax regime and eligible deductions. Use the regime comparison and breakdown to see which choice leaves more in your pocket for your situation.
FAQ
Which countries does PayVerdict support?
India, United States, United Kingdom, Canada, Australia, Germany, UAE, Singapore, Netherlands, Ireland, and New Zealand in this V1 calculator.
Is this calculator exact for every country?
No. India has the most detailed model. Other countries currently use simplified, transparent estimates for directional planning.
Does this include state or provincial tax?
Yes for the supported United States states and Canadian provinces in the V1 model. Other local taxes are not modeled yet.
Why does take-home salary vary by country?
Income tax, social contributions, retirement deductions, and local payroll rules differ by country and sometimes by region.
Is my salary data stored?
No. PayVerdict calculates locally in your browser and does not store or share raw salary inputs.
Assumptions and disclaimer
- Country: India. Tax year: FY 2025-26. Currency: INR.
- Tax model: Detailed estimate.
- India uses the detailed FY 2025-26 old vs new regime estimate.
- Employee PF, professional tax, deductions, cess, surcharge, and marginal relief are modeled.
- Salary data stays in your browser and is not stored or shared.
PayVerdict provides estimates for educational purposes only. Actual tax liability, EMI, and take-home salary may vary based on lender terms, employer structure, deductions, exemptions, state rules, and rate changes. Please consult a qualified professional before making financial decisions.