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)
₹16 lakh salary: ₹1,09,741 in hand a month
On a CTC of ₹16,00,000 you take home about ₹1,09,741 a month (₹13,16,896 a year) under the new regime, after ₹6,400 PF, ₹200 professional tax and ₹8,027 income tax a month. The new regime saves ₹1,34,000 a year, unless your old-regime deductions add up to more than ₹5,39,416.
Every salary · ₹13 lakh · ₹14 lakh · ₹15 lakh · ₹17 lakh · ₹18 lakh · ₹19 lakh
The ₹16 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹6,40,000 | ₹53,333 |
| HRA | ₹3,20,000 | ₹26,667 |
| Special allowance | ₹5,32,416 | ₹44,368 |
| Gross pay | ₹14,92,416 | ₹1,24,368 |
| Employer PF (in the CTC, not paid to you) | ₹76,800 | ₹6,400 |
| Gratuity (in the CTC, paid when you leave) | ₹30,784 | ₹2,565 |
| Your PF (12% of Basic) | −₹76,800 | −₹6,400 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹96,320 | −₹8,027 |
| In hand | ₹13,16,896 | ₹1,09,741 |
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 ₹16 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹14,17,416 | ₹13,63,216 |
| Income tax and cess, a year | ₹96,320 | ₹2,30,320 |
| Income tax, a month | ₹8,027 | ₹19,193 |
| In hand, a month | ₹1,09,741 | ₹98,575 |
The new regime, by ₹1,34,000 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 ₹5,39,416.
Your own deductions
Questions people ask about a ₹16 lakh salary
What is the in-hand salary on a ₹16 lakh CTC?
About ₹1,09,741 a month under the new regime: ₹1,24,368 of gross pay, less ₹6,400 PF, ₹200 professional tax and ₹8,027 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 ₹16 lakh salary?
₹96,320 a year in the new regime (₹8,027 a month, 6.0% of the CTC), and ₹2,30,320 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 ₹16 lakh?
The new regime, by ₹1,34,000 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 ₹5,39,416.
Other salaries: ₹13 lakh · ₹14 lakh · ₹15 lakh · ₹17 lakh · ₹18 lakh · ₹19 lakh · every salary from ₹3 lakh to ₹2 crore
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