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)
₹26 lakh salary: ₹1,66,577 in hand a month
On a CTC of ₹26,00,000 you take home about ₹1,66,577 a month (₹19,98,926 a year) under the new regime, after ₹10,400 PF, ₹200 professional tax and ₹24,921 income tax a month. The new regime saves ₹2,07,320 a year, unless your old-regime deductions add up to more than ₹7,89,267.
Every salary · ₹23 lakh · ₹24 lakh · ₹25 lakh · ₹27 lakh · ₹28 lakh · ₹29 lakh
The ₹26 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹10,40,000 | ₹86,667 |
| HRA | ₹5,20,000 | ₹43,333 |
| Special allowance | ₹8,65,176 | ₹72,098 |
| Gross pay | ₹24,25,176 | ₹2,02,098 |
| Employer PF (in the CTC, not paid to you) | ₹1,24,800 | ₹10,400 |
| Gratuity (in the CTC, paid when you leave) | ₹50,024 | ₹4,169 |
| Your PF (12% of Basic) | −₹1,24,800 | −₹10,400 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹2,99,050 | −₹24,921 |
| In hand | ₹19,98,926 | ₹1,66,577 |
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 ₹26 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹23,50,176 | ₹22,47,976 |
| Income tax and cess, a year | ₹2,99,050 | ₹5,06,370 |
| Income tax, a month | ₹24,921 | ₹42,198 |
| In hand, a month | ₹1,66,577 | ₹1,49,301 |
The new regime, by ₹2,07,320 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 ₹7,89,267.
Your own deductions
Questions people ask about a ₹26 lakh salary
What is the in-hand salary on a ₹26 lakh CTC?
About ₹1,66,577 a month under the new regime: ₹2,02,098 of gross pay, less ₹10,400 PF, ₹200 professional tax and ₹24,921 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 ₹26 lakh salary?
₹2,99,050 a year in the new regime (₹24,921 a month, 11.5% of the CTC), and ₹5,06,370 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 ₹26 lakh?
The new regime, by ₹2,07,320 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 ₹7,89,267.
Other salaries: ₹23 lakh · ₹24 lakh · ₹25 lakh · ₹27 lakh · ₹28 lakh · ₹29 lakh · every salary from ₹3 lakh to ₹2 crore
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