In-hand salary for every CTC
Monthly in-hand salary for every CTC from 3 to 100 LPA in FY 2026-27, with the cheaper tax regime and the income tax at each salary. Each page breaks the number down.
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What reaches your bank each month at every common salary, for Tax Year 2026-27 (FY 2026-27). Each figure uses the calculator's standard assumptions: Basic at half of CTC, PF capped at the statutory wage ceiling (₹25,000 from 17 September 2026), gratuity and employer PF inside the CTC, and Karnataka professional tax. Open any salary for the full breakdown, the state-by-state difference and the point at which the old regime would win, or read how CTC becomes in-hand pay.
Notice the stretch between 13.5 and 14 LPA, where take-home actually dips, by about ₹160 a month: the ₹12 lakh rebate ends there, and marginal relief plus the 4% cess take ₹1.04 of tax for every extra rupee. Why that happens.
Every salary, month by month
Up to ₹10 lakh
₹10 to ₹20 lakh
- 11 LPANew regime₹84,361a month
- 12 LPANew regime₹92,494a month
- 12.5 LPANew regime₹96,561a month
- 13 LPANew regime₹1,00,628a month
- 13.5 LPANew regime₹1,03,551a month, ₹13,716 tax a year
- 14 LPANew regime₹1,03,388a month, ₹64,466 tax a year
- 14.5 LPANew regime₹1,06,187a month, ₹79,682 tax a year
- 15 LPANew regime₹1,09,619a month, ₹87,295 tax a year
- 16 LPANew regime₹1,16,483a month, ₹1,02,520 tax a year
- 17 LPANew regime₹1,23,347a month, ₹1,17,745 tax a year
- 18 LPANew regime₹1,29,985a month, ₹1,35,693 tax a year
- 19 LPANew regime₹1,36,426a month, ₹1,55,993 tax a year
- 20 LPANew regime₹1,42,867a month, ₹1,76,293 tax a year
₹20 to ₹30 lakh
- 21 LPANew regime₹1,49,309a month, ₹1,96,593 tax a year
- 22 LPANew regime₹1,55,565a month, ₹2,19,116 tax a year
- 23 LPANew regime₹1,61,583a month, ₹2,44,491 tax a year
- 24 LPANew regime₹1,67,602a month, ₹2,69,866 tax a year
- 25 LPANew regime₹1,73,620a month, ₹2,95,241 tax a year
- 26 LPANew regime₹1,79,495a month, ₹3,22,340 tax a year
- 27 LPANew regime₹1,85,091a month, ₹3,52,790 tax a year
- 28 LPANew regime₹1,90,686a month, ₹3,83,240 tax a year
- 29 LPANew regime₹1,96,282a month, ₹4,13,690 tax a year
- 30 LPANew regime₹2,01,877a month, ₹4,44,140 tax a year
Above ₹30 lakh
- 35 LPANew regime₹2,29,855a month, ₹5,96,390 tax a year
- 40 LPANew regime₹2,57,832a month, ₹7,48,640 tax a year
- 45 LPANew regime₹2,85,810a month, ₹9,00,890 tax a year
- 50 LPANew regime₹3,13,787a month, ₹10,53,140 tax a year
- 60 LPANew regime₹3,58,429a month, ₹14,93,404 tax a year
- 75 LPANew regime₹4,38,555a month, ₹19,95,829 tax a year
- 100 LPANew regime₹5,72,099a month, ₹28,33,204 tax a year
Your structure is probably different. Open the calculator to set your own Basic, HRA, variable pay, city and deductions.