What you take home, and which tax regime wins.
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Old regime or new regime?
Type your CTC to see which regime leaves more in your hand, and whether your deductions can make the old one win.
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Provision-by-provision reference (what each regime allows)
₹10 lakh salary: ₹73,530 in hand a month
On a CTC of ₹10,00,000 you take home about ₹73,530 a month (₹8,82,360 a year) under the new regime, after ₹4,000 PF, ₹200 professional tax and ₹0 income tax a month. The new regime saves ₹82,130 a year, unless your old-regime deductions add up to more than ₹3,80,360.
Every salary · ₹7 lakh · ₹8 lakh · ₹9 lakh · ₹11 lakh · ₹12 lakh · ₹13 lakh
The ₹10 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹4,00,000 | ₹33,333 |
| HRA | ₹2,00,000 | ₹16,667 |
| Special allowance | ₹3,32,760 | ₹27,730 |
| Gross pay | ₹9,32,760 | ₹77,730 |
| Employer PF (in the CTC, not paid to you) | ₹48,000 | ₹4,000 |
| Gratuity (in the CTC, paid when you leave) | ₹19,240 | ₹1,603 |
| Your PF (12% of Basic) | −₹48,000 | −₹4,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | ₹0 | ₹0 |
| In hand | ₹8,82,360 | ₹73,530 |
Basic at 40% of the CTC, HRA half of Basic, employer PF and gratuity inside the CTC, ₹2,400 professional tax, age under 60. Change any of it below or in the in-hand salary calculator.
Old vs new regime at ₹10 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹8,57,760 | ₹8,32,360 |
| Income tax and cess, a year | ₹0 | ₹82,130 |
| Income tax, a month | ₹0 | ₹6,844 |
| In hand, a month | ₹73,530 | ₹66,686 |
The new regime, by ₹82,130 a year, for most people. The old regime wins only when its deductions (the HRA exemption, 80C including your PF, home-loan interest, health insurance and your own NPS) add up to more than ₹3,80,360.
Your own deductions
Questions people ask about a ₹10 lakh salary
What is the in-hand salary on a ₹10 lakh CTC?
About ₹73,530 a month under the new regime: ₹77,730 of gross pay, less ₹4,000 PF, ₹200 professional tax and ₹0 income tax. That assumes Basic at 40% of the CTC with employer PF and gratuity inside it; a larger Basic means more PF and a little less in hand.
How much income tax is paid on a ₹10 lakh salary?
₹0 a year in the new regime (₹0 a month, 0.0% of the CTC), and ₹82,130 in the old regime with no deductions beyond PF. Both include the 4% health and education cess.
Is the old or the new tax regime better for ₹10 lakh?
The new regime, by ₹82,130 a year, for most people. The old regime wins only when its deductions (the HRA exemption, 80C including your PF, home-loan interest, health insurance and your own NPS) add up to more than ₹3,80,360.
Why is there no tax at ₹10 lakh in the new regime?
Taxable income works out to ₹8,57,760 after the ₹75,000 standard deduction. Up to ₹12,00,000 of taxable income, the rebate (section 156 of the Income-tax Act 2025, formerly 87A) cancels the tax in the new regime.
Other salaries: ₹7 lakh · ₹8 lakh · ₹9 lakh · ₹11 lakh · ₹12 lakh · ₹13 lakh · every salary from ₹3 lakh to ₹2 crore
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