Enter your CTC to get a full salary breakup — Basic, HRA, PF, gratuity, special allowance — plus old vs new tax regime comparison and estimated in-hand salary.
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The Salary Structure Optimizer converts your annual CTC into a complete salary breakup — Basic, HRA, special allowance, employer PF contribution and gratuity provision — and then estimates your income tax under both the old and new regimes for FY 2025-26, so you can see which regime leaves more money in hand.
Adjust the Basic-salary percentage to see how it affects HRA (and therefore tax under the old regime), and get an approximate monthly in-hand figure after tax and PF. Useful when evaluating a job offer, negotiating CTC or planning your tax declaration.
Salary Structure Optimizer is a free, browser-based tool from AIVEXA's daily use tools collection. CTC breakup with old vs new tax regime comparison. It works instantly in your browser — no signup, no installation and no watermark — and is one of 89+ free tools available on AIVEXA, covering PDF editing, image editing, everyday calculators, document generators and Islamic tools.
It depends on your deductions. The new regime has lower slab rates and a ₹75,000 standard deduction with rebate up to ₹12 lakh income, but no HRA/80C benefits. If your combined deductions (HRA, 80C, 80D, home-loan interest) are large, the old regime can still win. This tool compares both instantly.
Most Indian companies keep Basic at 40–50% of CTC. A higher Basic increases HRA, PF and gratuity but reduces flexible allowances; a lower Basic does the opposite. You can adjust the percentage in this tool to see the effect.
CTC includes employer-side costs (employer PF, gratuity provision, sometimes insurance) that never reach your bank account, plus income tax and employee PF are deducted from gross pay. This tool shows the approximate real monthly in-hand.
Yes, Salary Structure Optimizer on AIVEXA is completely free to use with no signup, no watermark and no hidden limits.
No account or login is required. Just open the tool and use it directly in your browser.
Most AIVEXA tools run entirely in your browser (client-side), which means your files and inputs are processed on your own device and are not uploaded to a server.
Yes, this tool works on any modern browser — desktop, Android or iOS — without installing an app.
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