Three CTCs
Basic, HRA and the PF split come from your saved Decoder offer — this tool only changes what it asks for. Open Decoder
ExampleWorked example with sample numbers — nothing about you has been checked yet.
People who accept a counter often leave within a year anyway — the trust is already cracked. That is a pattern, not a statistic I am inventing a percentage for. Treat a counter as a stay-or-go decision, not a bidding war.
Estimate, not tax or legal advice. FY 2026-27 rules. Your payroll’s exact structure will differ a little.