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Salary Calculator India

PHO

PhonePe In-Hand Salary

CTC Package to Take-Home Salary Calculator & Guide for FY 2026-27

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About Compensation at PhonePe

PhonePe is India's largest UPI digital payments network, offering top-tier tech compensation and ESOP grants.

Standard Salary Bands & In-Hand Estimates

Based on New Tax Regime (default for FY 2026-27), with standard city allowances (metro) and PF settings.

DesignationAnnual CTCEst. Monthly In-HandBreakdown

Software Engineer (Campus / Fresher)

Entry engineer. Monthly take-home: ~₹1,30,000–₹1,40,000.

₹22,00,000₹1,59,960per monthFull Report

Software Engineer 2 (2-4 yrs)

Mid engineer. Monthly take-home: ~₹2,15,000–₹2,35,000.

₹38,00,000₹2,52,978per monthFull Report

Lead Engineer (5-8 yrs)

Senior lead. Monthly take-home: ~₹3,20,000–₹3,50,000.

₹62,00,000₹3,78,349per monthFull Report

CTC Component Analysis

Features high base salary, performance incentives, and large ESOP components.

Popular Salary Components

Fixed Base

Substantial monthly cash component.

Stock Options (ESOPs)

Vesting over 4 years.

Salary Calculation Policy

  • ✓Variable Pay Deduction: We deduct the standard variable pay component from the fixed take-home calculations.
  • ✓Gratuity: Gratuity is counted as an annual retirement accrual and excluded from monthly in-hand cash.
  • ✓New Tax Regime: Calculations defaults to standard new regime rates.

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In-Hand Salary Calculator

Convert CTC to estimated monthly take-home salary.

Reverse Salary Calculator

Find the CTC needed for a target in-hand salary.

Old vs New Tax Regime

Compare estimated take-home under both regimes.

HRA Calculator

Estimate HRA exemption for old-regime planning.

PF Calculator

Calculate employee and employer PF contributions.

Gratuity Calculator

Estimate gratuity from basic salary and service.

Salary Hike Calculator

Calculate raise percentage and new package.

Notice Period & Buyout Calculator

Estimate notice pay shortfall recovery, GST liability, and net reimbursement.

Step-Up SIP Calculator

Calculate wealth growth by linking monthly SIP increases to annual salary hikes.

NPS Calculator

Calculate pension corpus, 60% tax-free lump sum, and 80CCD tax savings.

Home Loan Eligibility & EMI

Calculate max loan eligibility, monthly EMI, and Sec 24(b) & 80C tax savings.

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