From CTC to the amount that reaches your bank — for 30 salary packages from ₹3 lakh to ₹50 lakh, with Budget 2026 slabs.
Pick your package for the full breakdown, the old-vs-new comparison and the capped-PF scenario.
| CTC | In-hand / month (new) | In-hand / month (old) | Tax / year (new) |
|---|---|---|---|
| ₹3 lakh | ₹21,792 | ₹21,792 | ₹0 |
| ₹4 lakh | ₹29,125 | ₹29,125 | ₹0 |
| ₹5 lakh | ₹36,458 | ₹36,458 | ₹0 |
| ₹6 lakh | ₹43,792 | ₹43,792 | ₹0 |
| ₹7 lakh | ₹51,125 | ₹48,941 | ₹0 |
| ₹8 lakh | ₹58,458 | ₹54,749 | ₹0 |
| ₹9 lakh | ₹65,792 | ₹60,557 | ₹0 |
| ₹10 lakh | ₹73,125 | ₹66,365 | ₹0 |
| ₹11 lakh | ₹80,458 | ₹72,173 | ₹0 |
| ₹12 lakh | ₹87,792 | ₹77,951 | ₹0 |
| ₹13 lakh | ₹95,125 | ₹82,996 | ₹0 |
| ₹14 lakh | ₹98,905 | ₹88,041 | ₹42,640 |
| ₹15 lakh | ₹1,02,837 | ₹93,087 | ₹83,460 |
| ₹16 lakh | ₹1,08,948 | ₹98,132 | ₹98,124 |
| ₹17 lakh | ₹1,15,059 | ₹1,03,177 | ₹1,12,788 |
| ₹18 lakh | ₹1,21,097 | ₹1,08,223 | ₹1,28,336 |
| ₹19 lakh | ₹1,26,801 | ₹1,13,268 | ₹1,47,888 |
| ₹20 lakh | ₹1,32,505 | ₹1,18,313 | ₹1,67,440 |
| ₹22.5 lakh | ₹1,46,592 | ₹1,30,927 | ₹2,18,400 |
| ₹25 lakh | ₹1,59,833 | ₹1,43,540 | ₹2,79,500 |
| ₹27.5 lakh | ₹1,72,598 | ₹1,55,763 | ₹3,46,320 |
| ₹30 lakh | ₹1,84,822 | ₹1,67,987 | ₹4,19,640 |
| ₹32.5 lakh | ₹1,97,045 | ₹1,80,210 | ₹4,92,960 |
| ₹35 lakh | ₹2,09,268 | ₹1,92,433 | ₹5,66,280 |
| ₹37.5 lakh | ₹2,21,492 | ₹2,04,657 | ₹6,39,600 |
| ₹40 lakh | ₹2,33,715 | ₹2,16,880 | ₹7,12,920 |
| ₹42.5 lakh | ₹2,45,938 | ₹2,29,103 | ₹7,86,240 |
| ₹45 lakh | ₹2,58,162 | ₹2,41,327 | ₹8,59,560 |
| ₹47.5 lakh | ₹2,70,385 | ₹2,53,550 | ₹9,32,880 |
| ₹50 lakh | ₹2,82,608 | ₹2,65,773 | ₹10,06,200 |
Basic = 50% of CTC, EPF 12% on full basic (employer share included in CTC), professional tax ₹2,500, old regime with EPF under 80C and standard deduction ₹50,000 only.
FY 2026-27 is the first tax year under the Income-tax Act 2025. The Union Budget 2026-27 kept the new-regime slabs, the ₹75,000 standard deduction and the rebate that makes taxable income up to ₹12 lakh tax-free. Combined with the standard deduction, a salaried employee pays no income tax up to ₹12.75 lakh of gross salary.
For your own HRA, 80C and other income, use the income tax calculator.
About ₹73,125 a month under the new regime with no income tax, after EPF and professional tax.
Under the new regime, taxable income up to ₹12 lakh is tax-free because of the rebate, so a salary up to ₹12.75 lakh (after the ₹75,000 standard deduction) pays no income tax.
CTC includes the employer EPF contribution, and your own EPF, professional tax and income tax are deducted before salary reaches your bank.