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)
₹21 lakh salary: ₹1,39,314 in hand a month
On a CTC of ₹21,00,000 you take home about ₹1,39,314 a month (₹16,71,766 a year) under the new regime, after ₹8,400 PF, ₹200 professional tax and ₹15,319 income tax a month. The new regime saves ₹1,84,520 a year, unless your old-regime deductions add up to more than ₹6,92,182.
Every salary · ₹18 lakh · ₹19 lakh · ₹20 lakh · ₹22 lakh · ₹23 lakh · ₹24 lakh
The ₹21 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹8,40,000 | ₹70,000 |
| HRA | ₹4,20,000 | ₹35,000 |
| Special allowance | ₹6,98,796 | ₹58,233 |
| Gross pay | ₹19,58,796 | ₹1,63,233 |
| Employer PF (in the CTC, not paid to you) | ₹1,00,800 | ₹8,400 |
| Gratuity (in the CTC, paid when you leave) | ₹40,404 | ₹3,367 |
| Your PF (12% of Basic) | −₹1,00,800 | −₹8,400 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹1,83,830 | −₹15,319 |
| In hand | ₹16,71,766 | ₹1,39,314 |
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 ₹21 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹18,83,796 | ₹18,05,596 |
| Income tax and cess, a year | ₹1,83,830 | ₹3,68,350 |
| Income tax, a month | ₹15,319 | ₹30,696 |
| In hand, a month | ₹1,39,314 | ₹1,23,937 |
The new regime, by ₹1,84,520 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 ₹6,92,182.
Your own deductions
Questions people ask about a ₹21 lakh salary
What is the in-hand salary on a ₹21 lakh CTC?
About ₹1,39,314 a month under the new regime: ₹1,63,233 of gross pay, less ₹8,400 PF, ₹200 professional tax and ₹15,319 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 ₹21 lakh salary?
₹1,83,830 a year in the new regime (₹15,319 a month, 8.8% of the CTC), and ₹3,68,350 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 ₹21 lakh?
The new regime, by ₹1,84,520 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 ₹6,92,182.
Other salaries: ₹18 lakh · ₹19 lakh · ₹20 lakh · ₹22 lakh · ₹23 lakh · ₹24 lakh · every salary from ₹3 lakh to ₹2 crore
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