In-hand salary for FY 2026-27
In-hand salary by CTC
Monthly in-hand salary for every CTC from 3 to 200 lakh a year, under the new tax regime.
| CTC | In-hand a month | With PF capped | Income tax a year |
|---|---|---|---|
| 3 LPA | ₹21,190 | ₹21,190 | ₹0 |
| 4 LPA | ₹28,323 | ₹28,508 | ₹0 |
| 4.5 LPA | ₹31,890 | ₹32,305 | ₹0 |
| 5 LPA | ₹35,456 | ₹36,102 | ₹0 |
| 5.5 LPA | ₹39,023 | ₹39,899 | ₹0 |
| 6 LPA | ₹42,589 | ₹43,696 | ₹0 |
| 6.5 LPA | ₹46,156 | ₹47,762 | ₹0 |
| 7 LPA | ₹49,722 | ₹51,829 | ₹0 |
| 7.5 LPA | ₹53,289 | ₹55,895 | ₹0 |
| 8 LPA | ₹56,855 | ₹59,962 | ₹0 |
| 9 LPA | ₹63,988 | ₹68,095 | ₹0 |
| 10 LPA | ₹71,121 | ₹76,228 | ₹0 |
| 11 LPA | ₹78,254 | ₹84,360 | ₹0 |
| 12 LPA | ₹85,387 | ₹92,493 | ₹0 |
| 12.75 LPA | ₹90,736 | ₹98,593 | ₹0 |
| 13 LPA | ₹92,520 | ₹1,00,626 | ₹0 |
| 14 LPA | ₹99,018 | ₹1,03,388 | ₹7,620 |
| 15 LPA | ₹1,00,300 | ₹1,09,618 | ₹77,830 |
| 16 LPA | ₹1,06,242 | ₹1,16,482 | ₹92,120 |
| 17 LPA | ₹1,12,184 | ₹1,23,346 | ₹1,06,410 |
| 18 LPA | ₹1,18,126 | ₹1,29,983 | ₹1,20,700 |
| 19 LPA | ₹1,23,785 | ₹1,36,425 | ₹1,38,380 |
| 20 LPA | ₹1,29,330 | ₹1,42,866 | ₹1,57,440 |
| 21 LPA | ₹1,34,875 | ₹1,49,307 | ₹1,76,490 |
| 22 LPA | ₹1,40,421 | ₹1,55,563 | ₹1,95,540 |
| 23 LPA | ₹1,45,829 | ₹1,61,581 | ₹2,16,240 |
| 24 LPA | ₹1,50,978 | ₹1,67,600 | ₹2,40,050 |
| 25 LPA | ₹1,56,125 | ₹1,73,618 | ₹2,63,870 |
| 26 LPA | ₹1,61,274 | ₹1,79,493 | ₹2,87,680 |
| 27 LPA | ₹1,66,422 | ₹1,85,089 | ₹3,11,500 |
| 28 LPA | ₹1,71,183 | ₹1,90,684 | ₹3,39,970 |
| 29 LPA | ₹1,75,934 | ₹1,96,280 | ₹3,68,550 |
| 30 LPA | ₹1,80,685 | ₹2,01,875 | ₹3,97,130 |
| 31 LPA | ₹1,85,436 | ₹2,07,470 | ₹4,25,710 |
| 32 LPA | ₹1,90,188 | ₹2,13,066 | ₹4,54,280 |
| 33 LPA | ₹1,94,940 | ₹2,18,661 | ₹4,82,860 |
| 34 LPA | ₹1,99,691 | ₹2,24,257 | ₹5,11,440 |
| 35 LPA | ₹2,04,442 | ₹2,29,852 | ₹5,40,020 |
| 36 LPA | ₹2,09,193 | ₹2,35,448 | ₹5,68,600 |
| 37 LPA | ₹2,13,945 | ₹2,41,043 | ₹5,97,170 |
| 38 LPA | ₹2,18,697 | ₹2,46,638 | ₹6,25,750 |
| 39 LPA | ₹2,23,448 | ₹2,52,234 | ₹6,54,330 |
| 40 LPA | ₹2,28,199 | ₹2,57,829 | ₹6,82,910 |
| 41 LPA | ₹2,32,951 | ₹2,63,425 | ₹7,11,480 |
| 42 LPA | ₹2,37,703 | ₹2,69,021 | ₹7,40,060 |
| 43 LPA | ₹2,42,454 | ₹2,74,615 | ₹7,68,640 |
| 44 LPA | ₹2,47,205 | ₹2,80,212 | ₹7,97,220 |
| 45 LPA | ₹2,51,956 | ₹2,85,806 | ₹8,25,800 |
| 46 LPA | ₹2,56,708 | ₹2,91,403 | ₹8,54,370 |
| 47 LPA | ₹2,61,460 | ₹2,96,998 | ₹8,82,950 |
| 48 LPA | ₹2,66,211 | ₹3,02,593 | ₹9,11,530 |
| 49 LPA | ₹2,70,962 | ₹3,08,189 | ₹9,40,110 |
| 50 LPA | ₹2,75,714 | ₹3,13,784 | ₹9,68,680 |
| 55 LPA | ₹2,99,471 | ₹3,31,716 | ₹11,11,570 |
| 60 LPA | ₹3,12,775 | ₹3,58,425 | ₹13,79,900 |
| 65 LPA | ₹3,35,341 | ₹3,85,134 | ₹15,37,080 |
| 70 LPA | ₹3,57,908 | ₹4,11,842 | ₹16,94,260 |
| 75 LPA | ₹3,80,474 | ₹4,38,550 | ₹18,51,440 |
| 80 LPA | ₹4,03,041 | ₹4,65,259 | ₹20,08,610 |
| 85 LPA | ₹4,25,607 | ₹4,91,967 | ₹21,65,790 |
| 90 LPA | ₹4,48,173 | ₹5,18,676 | ₹23,22,970 |
| 95 LPA | ₹4,70,740 | ₹5,45,385 | ₹24,80,150 |
| 100 LPA | ₹4,93,307 | ₹5,72,093 | ₹26,37,320 |
| 120 LPA | ₹5,71,202 | ₹6,65,658 | ₹34,14,480 |
| 150 LPA | ₹6,98,543 | ₹8,22,103 | ₹44,54,230 |
| 200 LPA | ₹9,09,284 | ₹10,82,844 | ₹62,05,090 |
Basic at 50% of CTC, HRA at 50% of basic, gratuity inside CTC and Maharashtra professional tax. "PF capped" works PF out on the statutory wage ceiling. Each page shows the old regime and other states. Use the calculator for your own salary structure.
These figures are estimates based on the information you entered and the rules for tax year 2026-27 under the Income-tax Act 2025 as it stands after Budget 2026, EPFO notifications and state professional tax schedules. They are general information, not tax, financial or legal advice. Your actual in-hand salary can differ, for example because of your company's salary structure, variable pay, PF rules, your regime choice, TDS timing or your state. Check your payslip, or ask your payroll team or a chartered accountant, before relying on these figures.