In-hand salary for every CTC
What actually reaches your bank each month, from ₹3 LPA to ₹1 crore, after PF, professional tax and income tax in the new regime.
Use your own CTC| CTC | Gross / month | Income tax / year | In-hand / month |
|---|---|---|---|
| ₹3 LPA | ₹22,899 | Nil | ₹21,199 |
| ₹4 LPA | ₹30,532 | Nil | ₹28,332 |
| ₹5 LPA | ₹38,165 | Nil | ₹35,465 |
| ₹6 LPA | ₹45,798 | Nil | ₹42,598 |
| ₹7 LPA | ₹53,930 | Nil | ₹50,730 |
| ₹8 LPA | ₹62,063 | Nil | ₹58,863 |
| ₹9 LPA | ₹70,196 | Nil | ₹66,996 |
| ₹10 LPA | ₹78,329 | Nil | ₹75,129 |
| ₹11 LPA | ₹86,462 | Nil | ₹83,262 |
| ₹12 LPA | ₹94,595 | Nil | ₹91,395 |
| ₹13 LPA | ₹1,02,728 | Nil | ₹99,528 |
| ₹14 LPA | ₹1,10,861 | ₹57,543 | ₹1,02,866 |
| ₹15 LPA | ₹1,18,994 | ₹86,256 | ₹1,08,606 |
| ₹16 LPA | ₹1,27,127 | ₹1,01,481 | ₹1,15,470 |
| ₹17 LPA | ₹1,35,260 | ₹1,16,706 | ₹1,22,334 |
| ₹18 LPA | ₹1,43,393 | ₹1,34,308 | ₹1,29,000 |
| ₹20 LPA | ₹1,59,658 | ₹1,74,907 | ₹1,41,883 |
| ₹22 LPA | ₹1,75,924 | ₹2,17,383 | ₹1,54,609 |
| ₹24 LPA | ₹1,92,190 | ₹2,68,133 | ₹1,66,646 |
| ₹25 LPA | ₹2,00,323 | ₹2,93,508 | ₹1,72,664 |
| ₹28 LPA | ₹2,24,722 | ₹3,81,158 | ₹1,89,759 |
| ₹30 LPA | ₹2,40,988 | ₹4,42,057 | ₹2,00,949 |
| ₹35 LPA | ₹2,81,652 | ₹5,94,305 | ₹2,28,927 |
| ₹40 LPA | ₹3,22,317 | ₹7,46,554 | ₹2,56,904 |
| ₹45 LPA | ₹3,62,981 | ₹8,98,802 | ₹2,84,881 |
| ₹50 LPA | ₹4,03,646 | ₹10,51,050 | ₹3,12,858 |
| ₹60 LPA | ₹4,84,975 | ₹14,91,101 | ₹3,57,517 |
| ₹75 LPA | ₹6,06,969 | ₹19,93,520 | ₹4,37,642 |
| ₹1 crore | ₹8,10,292 | ₹28,30,885 | ₹5,71,185 |
New regime, FY 2026-27. Basic at 50% of CTC, PF capped at ₹3,000 a month. Tap any row for the full breakdown.
Questions people ask
Up to what CTC is salary tax-free in the new regime?
In this table, everything up to ₹13 LPA pays no income tax: the ₹75,000 standard deduction and the rebate up to ₹12 lakh of taxable income cancel it. At ₹14 LPA the tax is ₹57,543 a year.
What share of my CTC reaches my bank?
It falls as salary rises: about 90.2% of a ₹10 LPA CTC, 82.9% of ₹25 LPA and 75.1% of ₹50 LPA. The rest goes to PF, gratuity, professional tax and income tax.
What assumptions are behind these numbers?
New tax regime for FY 2026-27, basic pay at 50% of CTC, employee and employer PF capped at ₹3,000 a month each, gratuity at 4.81% of basic, and ₹2,400 a year of professional tax. Your own payslip can differ, so open the calculator to use your exact numbers.
Should I pick the old regime instead?
Only if your deductions are large. Each salary page shows the break-even: how much you’d need to claim under 80C, 80D, HRA, home-loan interest and NPS before the old regime wins.