Enter your current salary and a raise amount or percentage, and see the actual increase in take-home pay after tax — which is usually noticeably less than the headline raise once you're pushed into a higher slab.
Tax is calculated separately on the current and new salary using the full slab structure, and the difference in net pay is the real take-home impact of the raise. Because slabs are progressive, only the portion of income that newly falls into a higher band is taxed at that higher rate — the whole raise isn't taxed at your top marginal rate, but a good chunk of it is if the raise crosses a slab boundary.
A raise that pushes you into a higher slab is taxed at that higher rate only on the amount above the boundary, not your whole salary — but that marginal amount can still be taxed at 20% or 30%, so a ₹1L raise near a slab boundary might net ₹65-75K rather than the full ₹1L.
Tax-exempt or tax-deferred benefits (employer NPS contribution, certain reimbursements) can be more efficient than an equivalent cash raise once you're in a higher slab, since cash is taxed immediately at your marginal rate while some benefits aren't. Worth comparing both against this calculator's net-impact figure.
Figures are estimates for informational purposes only, based on the assumptions you enter, and are not tax advice. Consult a Chartered Accountant or the Income Tax e-filing portal before filing.