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Salary Calculator India

RAZ

Razorpay In-Hand Salary

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

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About Compensation at Razorpay

Razorpay is India's leading fintech unicorn powering online payments, banking, and payroll services.

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 1 (SE-1)

Entry engineer. Monthly take-home: ~₹1,10,000–₹1,18,000.

₹18,00,000₹1,34,008per monthFull Report

Software Engineer 2 (SE-2)

Mid-level engineer. Monthly take-home: ~₹1,85,000–₹2,00,000.

₹32,00,000₹2,18,578per monthFull Report

Senior Software Engineer (SE-3)

Senior engineer. Monthly take-home: ~₹2,80,000–₹3,05,000.

₹52,00,000₹3,26,972per monthFull Report

CTC Component Analysis

High fixed cash pay, transparent ESOP grant policy, and annual performance incentive.

Popular Salary Components

Fixed Cash

Transparent monthly salary without complicated allowance deductions.

ESOP Grants

Vesting annually with consistent company buyback records.

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.

Compare Packages

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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