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)
₹22 lakh salary: ₹1,45,070 in hand a month
On a CTC of ₹22,00,000 you take home about ₹1,45,070 a month (₹17,40,842 a year) under the new regime, after ₹8,800 PF, ₹200 professional tax and ₹16,936 income tax a month. The new regime saves ₹1,92,720 a year, unless your old-regime deductions add up to more than ₹7,23,278.
Every salary · ₹19 lakh · ₹20 lakh · ₹21 lakh · ₹23 lakh · ₹24 lakh · ₹25 lakh
The ₹22 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹8,80,000 | ₹73,333 |
| HRA | ₹4,40,000 | ₹36,667 |
| Special allowance | ₹7,32,072 | ₹61,006 |
| Gross pay | ₹20,52,072 | ₹1,71,006 |
| Employer PF (in the CTC, not paid to you) | ₹1,05,600 | ₹8,800 |
| Gratuity (in the CTC, paid when you leave) | ₹42,328 | ₹3,527 |
| Your PF (12% of Basic) | −₹1,05,600 | −₹8,800 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹2,03,230 | −₹16,936 |
| In hand | ₹17,40,842 | ₹1,45,070 |
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 ₹22 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹19,77,072 | ₹18,94,072 |
| Income tax and cess, a year | ₹2,03,230 | ₹3,95,950 |
| Income tax, a month | ₹16,936 | ₹32,996 |
| In hand, a month | ₹1,45,070 | ₹1,29,010 |
The new regime, by ₹1,92,720 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 ₹7,23,278.
Your own deductions
Questions people ask about a ₹22 lakh salary
What is the in-hand salary on a ₹22 lakh CTC?
About ₹1,45,070 a month under the new regime: ₹1,71,006 of gross pay, less ₹8,800 PF, ₹200 professional tax and ₹16,936 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 ₹22 lakh salary?
₹2,03,230 a year in the new regime (₹16,936 a month, 9.2% of the CTC), and ₹3,95,950 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 ₹22 lakh?
The new regime, by ₹1,92,720 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 ₹7,23,278.
Other salaries: ₹19 lakh · ₹20 lakh · ₹21 lakh · ₹23 lakh · ₹24 lakh · ₹25 lakh · every salary from ₹3 lakh to ₹2 crore
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