What you take home, and which tax regime wins.
Type your CTC. The answer shows as you type.
Tax rules as of September 2026, from the Income-tax Act and Finance Act 2026. No sign-up, no ads, and what you type stays on this device. How each number is worked out
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)
₹12 lakh salary: ₹95,000 in hand a month
On a CTC of ₹12,00,000 you take home about ₹95,000 a month (₹11,40,000 a year) under the new regime, after ₹4,800 PF, ₹200 professional tax and ₹0 income tax a month. The new regime saves ₹1,45,080 a year, unless your old-regime deductions add up to more than ₹6,47,600.
Every salary · ₹9 lakh · ₹10 lakh · ₹11 lakh · ₹13 lakh · ₹14 lakh · ₹15 lakh
The ₹12 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹4,80,000 | ₹40,000 |
| HRA | ₹2,40,000 | ₹20,000 |
| Special allowance | ₹4,80,000 | ₹40,000 |
| Gross pay | ₹12,00,000 | ₹1,00,000 |
| Employer PF (in the CTC, not paid to you) | ₹0 | ₹0 |
| Gratuity (in the CTC, paid when you leave) | ₹0 | ₹0 |
| Your PF (12% of Basic) | −₹57,600 | −₹4,800 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | ₹0 | ₹0 |
| In hand | ₹11,40,000 | ₹95,000 |
Basic at 40% of the CTC, HRA half of Basic, employer PF and gratuity on top of 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 ₹12 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹11,25,000 | ₹10,90,000 |
| Income tax and cess, a year | ₹0 | ₹1,45,080 |
| Income tax, a month | ₹0 | ₹12,090 |
| In hand, a month | ₹95,000 | ₹82,910 |
The new regime, by ₹1,45,080 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 ₹6,47,600.
Your own deductions
Questions people ask about a ₹12 lakh salary
What is the in-hand salary on a ₹12 lakh CTC?
About ₹95,000 a month under the new regime: ₹1,00,000 of gross pay, less ₹4,800 PF, ₹200 professional tax and ₹0 income tax. That assumes Basic at 40% of the CTC, with employer PF and gratuity paid on top of the CTC; your own 12% PF comes off your pay. A larger Basic means more PF and a little less in hand.
How much income tax is paid on a ₹12 lakh salary?
₹0 a year in the new regime (₹0 a month, 0.0% of the CTC), and ₹1,45,080 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 ₹12 lakh?
The new regime, by ₹1,45,080 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 ₹6,47,600.
Why is there no tax at ₹12 lakh in the new regime?
Taxable income works out to ₹11,25,000 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: ₹9 lakh · ₹10 lakh · ₹11 lakh · ₹13 lakh · ₹14 lakh · ₹15 lakh · every salary from ₹3 lakh to ₹2 crore
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