Salary Increment Calculator
Calculate your new CTC and monthly gross salary after an appraisal or job switch, the arrears for a late increment, and a year-by-year salary projection.
Current CTC (/ Year)
₹
Expected Increment (%)
%
Arrears (months)
Months between the date the increment took effect and the first salary that paid it. Leave at 0 if it was paid on time.
New CTC
₹ 11,00,000
Increment Amount
+ ₹ 1,00,000
Monthly Increase
+ ₹ 8,333
Salary Comparison
| Component | Current | New | Difference |
|---|---|---|---|
| Annual CTC | ₹ 10,00,000 | ₹ 11,00,000 | + ₹ 1,00,000 |
| Monthly Gross | ₹ 83,333 | ₹ 91,667 | + ₹ 8,333 |
Salary Projection
Your CTC year by year if you get the same 10% increment every year.
| Year | Annual CTC | Monthly | Total Earned So Far |
|---|---|---|---|
| 2026 | ₹ 10,00,000 | ₹ 83,333 | ₹ 10,00,000 |
| 2027 | ₹ 11,00,000 | ₹ 91,667 | ₹ 21,00,000 |
| 2028 | ₹ 12,10,000 | ₹ 1,00,833 | ₹ 33,10,000 |
| 2029 | ₹ 13,31,000 | ₹ 1,10,917 | ₹ 46,41,000 |
| 2030 | ₹ 14,64,100 | ₹ 1,22,008 | ₹ 61,05,100 |
| 2031 | ₹ 16,10,510 | ₹ 1,34,209 | ₹ 77,15,610 |
| 2032 | ₹ 17,71,561 | ₹ 1,47,630 | ₹ 94,87,171 |
| 2033 | ₹ 19,48,717 | ₹ 1,62,393 | ₹ 1,14,35,888 |
| 2034 | ₹ 21,43,589 | ₹ 1,78,632 | ₹ 1,35,79,477 |
| 2035 | ₹ 23,57,948 | ₹ 1,96,496 | ₹ 1,59,37,425 |
| 2036 | ₹ 25,93,742 | ₹ 2,16,145 | ₹ 1,85,31,167 |
Estimate for information only, not financial, tax or investment advice. Rates and rules change, so check anything important with a qualified professional or the official source. Terms
How is Salary Increment Calculated?
Your new salary is calculated by adding the increment percentage to your current CTC.
New CTC = Current CTC + Increment Amount
Note: This calculator provides the gross CTC impact. Your actual take-home salary will vary based on tax deductions (TDS), PF contributions, and your company's salary structure.
Example
A current CTC of ₹8,00,000 with a 15% increment gets an increment amount of ₹1,20,000, bringing the new CTC to ₹9,20,000.
Salary Increment with Arrears
Increments often take effect from an earlier date than the first payslip that includes them, for example an appraisal approved in June but effective from April. The unpaid difference for those months is paid later as a one-time amount called arrears. Enter those months in the Arrears (months) field.
Arrears = Monthly Increase × Months Pending
A ₹8,00,000 CTC with a 10% increment effective from April but first paid in July has a monthly increase of ₹6,667, so the April–June arrears come to ₹20,000, on top of the new monthly salary. These are gross CTC-based figures: the amount credited will be lower after TDS and PF. In India, arrears that relate to earlier financial years may qualify for tax relief when you file your return, so check with your payroll team or a tax advisor.
Projecting Your Salary Over Several Years
If you expect a similar increment every year, your salary compounds: each year's raise is calculated on the already-raised salary. The Salary Projection table applies your increment percentage year after year and keeps a running total of everything earned.
A salary of ₹35,400 a month in 2023 with a 3% increment every year grows to about ₹80,993 a month by 2051 (28 increments), and the total earned over those 29 years is about ₹1.92 crore. To reproduce it, enter ₹4,24,800 as the annual CTC, 3% as the increment, 2023 as the starting year and 28 years to project.
Common Use Cases
- Checking how a percentage raise translates to your actual new CTC.
- Comparing offer letters or appraisal increments across different percentages.
FAQs
How do I use this as a CTC increment calculator?
Enter your current CTC and the increment percentage you were offered — the calculator multiplies your current CTC by that percentage to get the increment amount, then adds it back to show your new CTC and its monthly equivalent, exactly as used above.
How is increment percentage on CTC calculated?
Increment percentage = (New CTC − Current CTC) ÷ Current CTC × 100. If you already know your old and new CTC and want the percentage rather than the new amount, subtract the two figures, divide by the old CTC, and multiply by 100.
How do I calculate CTC after an increment with arrears?
Work out the new CTC first (Current CTC × (1 + Increment % / 100)), then multiply the monthly increase by the number of months the increment was pending. For a CTC of ₹14,67,800 with a 10% increment paid six months late, the new CTC is ₹16,14,580, the monthly increase is ₹12,232 and the arrears are ₹73,390.
Is CTC the same as my take-home salary?
No — CTC (Cost to Company) includes your gross salary plus employer contributions like PF and insurance. Your actual take-home pay is lower after tax and employee-side deductions.