Restructure my CTC
Same CTC, more in hand. Move part of your fully taxable Special Allowance into components the tax law treats better — employer NPS, meal vouchers, phone & internet bills — and see the exact effect under both regimes. Uses your calculator settings (standard template, FY2026-27, metro city) for everything else.
Your salary today
Shared with the calculator.
What you can restructure
Ask HR which of these your flexi policy offers. Enter only spending you really have.
14% of Basic in the new regime, 10% in the old. Deductible in both.
From FY2026-27, ₹200 a meal × 2 meals × 22 days (₹8,800/month) is exempt in both regimes.
Reimbursed against bills in your name. Exempt in both regimes.
Old regime only.
Old regime only.
You gain per year — same CTC
+₹26,976
New regime after restructuring: tax ₹98,649 instead of ₹1,25,625.
- Tax saved
- ₹26,976
- In-hand change
- −₹73,824
- To your NPS
- +₹1,00,800
Employer NPS is paid into your NPS account instead of your bank, so monthly cash can fall even though you are better off overall. Turn off the NPS switch to see the cash-only option.
Today vs restructured
Per year. Total value = in-hand pay + employer NPS.
| Scenario | Tax | In-hand / month | Employer NPS | Total value |
|---|---|---|---|---|
| New · today you now | ₹1,25,625 | ₹1,22,045 | ₹0 | ₹14,64,543 |
| New · restructured best | ₹98,649 | ₹1,15,893 | ₹1,00,800 | ₹14,91,519 |
| Old · today | ₹2,85,532 | ₹1,08,720 | ₹0 | ₹13,04,636 |
| Old · restructured | ₹2,40,979 | ₹1,06,432 | ₹72,000 | ₹13,49,189 |
What each change is worth
Each change applied alone under the new regime. Changes interact, so these don't sum exactly to the total.
Employer NPS contribution · 80CCD(2)
Deductible in both regimes. Lowers monthly cash but the money lands in your NPS Tier-I account; partly locked until 60.
₹1,00,800/yr moved out of Special Allowance
saves ₹15,931
in-hand −₹84,869
Meal vouchers · 17(2), Rules 2026
Exempt up to ₹200 per meal, two meals per working day, in both regimes from FY2026-27. Spend only on food at eating joints.
₹52,800/yr moved out of Special Allowance
saves ₹8,443
in-hand +₹8,443
Phone & internet reimbursement · 17(2)
Exempt in both regimes when reimbursed against bills in your name for official use.
₹18,000/yr moved out of Special Allowance
saves ₹3,014
in-hand +₹3,014
Request to send HR
Copy, add your name and employee ID, and send to HR or payroll.
Subject: Request to restructure my salary components (no change to CTC) Hi team, I'd like to restructure my compensation for FY2026-27 within my existing CTC of ₹18,00,000. Please move the following amounts out of Special Allowance: - Employer NPS contribution (Section 80CCD(2)): 14% of Basic (₹1,00,800 per year). - Meal vouchers: ₹4,400 per month. - Phone & internet reimbursement against bills: up to ₹1,500 per month. I will be opting for the new tax regime for TDS purposes. I understand reimbursements are paid against valid bills, and I will submit them as per policy. Please let me know if any of these components are not available under our flexi policy. Thanks,
Every figure re-runs the full salary, deduction and tax pipeline; nothing is estimated from a marginal rate. Whether a component is available depends on your employer's policy. Based on official government provisions including the Income-tax Rules, 2026; verify against the latest publications at incometax.gov.in.