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)
₹18 lakh salary: ₹1,22,045 in hand a month
On a CTC of ₹18,00,000 you take home about ₹1,22,045 a month (₹14,64,538 a year) under the new regime, after ₹7,200 PF, ₹200 professional tax and ₹10,469 income tax a month. The new regime saves ₹1,59,900 a year, unless your old-regime deductions add up to more than ₹5,98,892.
Every salary · ₹15 lakh · ₹16 lakh · ₹17 lakh · ₹19 lakh · ₹20 lakh · ₹21 lakh
The ₹18 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹7,20,000 | ₹60,000 |
| HRA | ₹3,60,000 | ₹30,000 |
| Special allowance | ₹5,98,968 | ₹49,914 |
| Gross pay | ₹16,78,968 | ₹1,39,914 |
| Employer PF (in the CTC, not paid to you) | ₹86,400 | ₹7,200 |
| Gratuity (in the CTC, paid when you leave) | ₹34,632 | ₹2,886 |
| Your PF (12% of Basic) | −₹86,400 | −₹7,200 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹1,25,630 | −₹10,469 |
| In hand | ₹14,64,538 | ₹1,22,045 |
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 ₹18 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹16,03,968 | ₹15,40,168 |
| Income tax and cess, a year | ₹1,25,630 | ₹2,85,530 |
| Income tax, a month | ₹10,469 | ₹23,794 |
| In hand, a month | ₹1,22,045 | ₹1,08,720 |
The new regime, by ₹1,59,900 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 ₹5,98,892.
Your own deductions
Questions people ask about a ₹18 lakh salary
What is the in-hand salary on a ₹18 lakh CTC?
About ₹1,22,045 a month under the new regime: ₹1,39,914 of gross pay, less ₹7,200 PF, ₹200 professional tax and ₹10,469 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 ₹18 lakh salary?
₹1,25,630 a year in the new regime (₹10,469 a month, 7.0% of the CTC), and ₹2,85,530 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 ₹18 lakh?
The new regime, by ₹1,59,900 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 ₹5,98,892.
Other salaries: ₹15 lakh · ₹16 lakh · ₹17 lakh · ₹19 lakh · ₹20 lakh · ₹21 lakh · every salary from ₹3 lakh to ₹2 crore
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