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)
₹14 lakh salary: ₹1,00,347 in hand a month
On a CTC of ₹14,00,000 you take home about ₹1,00,347 a month (₹12,04,164 a year) under the new regime, after ₹5,600 PF, ₹200 professional tax and ₹2,675 income tax a month. The new regime saves ₹1,43,010 a year, unless your old-regime deductions add up to more than ₹6,61,614.
Every salary · ₹11 lakh · ₹12 lakh · ₹13 lakh · ₹15 lakh · ₹16 lakh · ₹17 lakh
The ₹14 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹5,60,000 | ₹46,667 |
| HRA | ₹2,80,000 | ₹23,333 |
| Special allowance | ₹4,65,864 | ₹38,822 |
| Gross pay | ₹13,05,864 | ₹1,08,822 |
| Employer PF (in the CTC, not paid to you) | ₹67,200 | ₹5,600 |
| Gratuity (in the CTC, paid when you leave) | ₹26,936 | ₹2,245 |
| Your PF (12% of Basic) | −₹67,200 | −₹5,600 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹32,100 | −₹2,675 |
| In hand | ₹12,04,164 | ₹1,00,347 |
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 ₹14 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹12,30,864 | ₹11,86,264 |
| Income tax and cess, a year | ₹32,100 | ₹1,75,110 |
| Income tax, a month | ₹2,675 | ₹14,593 |
| In hand, a month | ₹1,00,347 | ₹88,430 |
The new regime, by ₹1,43,010 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 ₹6,61,614.
Your own deductions
Questions people ask about a ₹14 lakh salary
What is the in-hand salary on a ₹14 lakh CTC?
About ₹1,00,347 a month under the new regime: ₹1,08,822 of gross pay, less ₹5,600 PF, ₹200 professional tax and ₹2,675 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 ₹14 lakh salary?
₹32,100 a year in the new regime (₹2,675 a month, 2.3% of the CTC), and ₹1,75,110 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 ₹14 lakh?
The new regime, by ₹1,43,010 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 ₹6,61,614.
Other salaries: ₹11 lakh · ₹12 lakh · ₹13 lakh · ₹15 lakh · ₹16 lakh · ₹17 lakh · every salary from ₹3 lakh to ₹2 crore
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