Use case - Compensation
Planning a salary hike - what a raise really adds after tax
A headline raise and a take-home raise are very different numbers. Niyam takes the offer, applies tax, surcharge and EPF to the increment, and shows what actually lands in your bank - plus how to structure the offer so more of it does.
Who it is for
- Anyone weighing a new offer or an annual increment
- People crossing the Rs 50 lakh surcharge threshold for the first time
- Employees who can shape their CTC and want to keep more of a raise
What Niyam does
Taxes the increment, not the average
Niyam applies your marginal rate to the raise, so you see the real after-tax gain rather than a rosy gross number.
Flags the threshold traps
It warns when a raise tips you into surcharge or out of a rebate, and shows by how much.
Suggests a better structure
Where your employer allows it, Niyam shows how routing part of the raise through employer NPS or allowances lifts the net.
Sample report
A preview of what you would get
Generated from a sample profile. Your own report runs on your real salary, investments and the latest published rules. The figures below are illustrative.
Personalised report - sample
Offer review
The Rs 8 lakh raise adds about Rs 5.07 lakh to your take-home.
Tax and EPF absorb Rs 2,92,800 of the increment, an effective 36.6% marginal rate.
Profile Backend engineer - Rs 22,00,000 raised to Rs 30,00,000 - new regime
- Gross increase
- Rs 8,00,000
- Net in hand
- Rs 5,07,200
- Effective rate on raise
- 36.6%
Rs 22 lakh to Rs 30 lakh CTC
About Rs 42,300 a month
Tax plus EPF
Figure
Where the Rs 8 lakh raise goes
- Into your bankRs 5,07,200
- Income taxRs 2,49,600
- EPF (you plus employer)Rs 43,200
How the increment splits after tax and retirement saving.
Recommended actions
- Action needed:Route part of the raise through employer NPS (80CCD(2)) to cut taxUp to Rs 24,960 saved
- Good to know:Check the Rs 50 lakh surcharge threshold before your next hike
- Good to know:Resize your emergency fund to six months of the new salaryTarget Rs 15,00,000
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