- ₹5 lakh CTC ₹35,457/mo in hand
- ₹6 lakh CTC ₹42,590/mo in hand
- ₹7 lakh CTC ₹49,723/mo in hand
- ₹8 lakh CTC ₹56,856/mo in hand
- ₹9 lakh CTC ₹63,989/mo in hand
- ₹10 lakh CTC ₹71,122/mo in hand
- ₹12 lakh CTC ₹85,388/mo in hand
- ₹15 lakh CTC ₹1,00,301/mo in hand
- ₹18 lakh CTC ₹1,18,127/mo in hand
- ₹20 lakh CTC ₹1,29,332/mo in hand
- ₹25 lakh CTC ₹1,56,127/mo in hand
- ₹30 lakh CTC ₹1,80,687/mo in hand
- ₹40 lakh CTC ₹2,28,202/mo in hand
- ₹50 lakh CTC ₹2,75,717/mo in hand
Monthly in-hand salary at a glance
New regime unless stated, with basic pay at 50% of CTC, PF at 12% of basic, gratuity inside the CTC and ₹2,500 a year of professional tax. The old-regime column assumes rent equal to your HRA in one of the eight 50% HRA cities, ₹1.5 lakh of investments and ₹25,000 of health insurance.
| CTC | Gross a month | Tax a year (new) | In hand (new) | In hand (old) | PF capped at ₹25,000 |
|---|---|---|---|---|---|
| ₹5 lakh | ₹38,165 | ₹0 | ₹35,457 | ₹35,457 | ₹35,457 |
| ₹6 lakh | ₹45,798 | ₹0 | ₹42,590 | ₹42,590 | ₹42,590 |
| ₹7 lakh | ₹53,431 | ₹0 | ₹49,723 | ₹49,723 | ₹50,723 |
| ₹8 lakh | ₹61,064 | ₹0 | ₹56,856 | ₹56,856 | ₹58,856 |
| ₹9 lakh | ₹68,697 | ₹0 | ₹63,989 | ₹63,989 | ₹66,989 |
| ₹10 lakh | ₹76,330 | ₹0 | ₹71,122 | ₹69,337 | ₹75,122 |
| ₹12 lakh | ₹91,596 | ₹0 | ₹85,388 | ₹80,982 | ₹91,388 |
| ₹15 lakh | ₹1,14,495 | ₹77,835 | ₹1,00,301 | ₹98,399 | ₹1,08,599 |
| ₹18 lakh | ₹1,37,394 | ₹1,20,702 | ₹1,18,127 | ₹1,14,504 | ₹1,28,993 |
| ₹20 lakh | ₹1,52,660 | ₹1,57,440 | ₹1,29,332 | ₹1,24,839 | ₹1,41,876 |
| ₹25 lakh | ₹1,90,825 | ₹2,63,875 | ₹1,56,127 | ₹1,50,442 | ₹1,72,657 |
| ₹30 lakh | ₹2,28,990 | ₹3,97,140 | ₹1,80,687 | ₹1,76,202 | ₹2,00,943 |
| ₹40 lakh | ₹3,05,321 | ₹6,82,920 | ₹2,28,202 | ₹2,27,565 | ₹2,56,898 |
| ₹50 lakh | ₹3,81,651 | ₹9,68,700 | ₹2,75,717 | ₹2,79,084 | ₹3,12,853 |
The last column is the new-regime in-hand pay when your employer limits PF to the ₹25,000 wage ceiling in force from 17 September 2026, which leaves more in hand but saves less in your EPF. Change any assumption in the in-hand salary calculator, or see tax alone in income tax by salary.
Estimates for a resident under 60 whose only income is salary, tax year 2026-27, rounded to the nearest rupee. Your employer's salary structure, state professional tax and tax declarations will change the figures. This is not tax advice.