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)
₹15 lakh salary: ₹1,03,581 in hand a month
On a CTC of ₹15,00,000 you take home about ₹1,03,581 a month (₹12,42,970 a year) under the new regime, after ₹6,000 PF, ₹200 professional tax and ₹6,814 income tax a month. The new regime saves ₹1,20,950 a year, unless your old-regime deductions add up to more than ₹5,16,091.
Every salary · ₹12 lakh · ₹13 lakh · ₹14 lakh · ₹16 lakh · ₹17 lakh · ₹18 lakh
The ₹15 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹6,00,000 | ₹50,000 |
| HRA | ₹3,00,000 | ₹25,000 |
| Special allowance | ₹4,99,140 | ₹41,595 |
| Gross pay | ₹13,99,140 | ₹1,16,595 |
| Employer PF (in the CTC, not paid to you) | ₹72,000 | ₹6,000 |
| Gratuity (in the CTC, paid when you leave) | ₹28,860 | ₹2,405 |
| Your PF (12% of Basic) | −₹72,000 | −₹6,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹81,770 | −₹6,814 |
| In hand | ₹12,42,970 | ₹1,03,581 |
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 ₹15 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹13,24,140 | ₹12,74,740 |
| Income tax and cess, a year | ₹81,770 | ₹2,02,720 |
| Income tax, a month | ₹6,814 | ₹16,893 |
| In hand, a month | ₹1,03,581 | ₹93,502 |
The new regime, by ₹1,20,950 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 ₹5,16,091.
Your own deductions
Questions people ask about a ₹15 lakh salary
What is the in-hand salary on a ₹15 lakh CTC?
About ₹1,03,581 a month under the new regime: ₹1,16,595 of gross pay, less ₹6,000 PF, ₹200 professional tax and ₹6,814 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 ₹15 lakh salary?
₹81,770 a year in the new regime (₹6,814 a month, 5.5% of the CTC), and ₹2,02,720 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 ₹15 lakh?
The new regime, by ₹1,20,950 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 ₹5,16,091.
Other salaries: ₹12 lakh · ₹13 lakh · ₹14 lakh · ₹16 lakh · ₹17 lakh · ₹18 lakh · every salary from ₹3 lakh to ₹2 crore
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