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)
₹30 lakh salary: ₹1,86,585 in hand a month
On a CTC of ₹30,00,000 you take home about ₹1,86,585 a month (₹22,39,020 a year) under the new regime, after ₹12,000 PF, ₹200 professional tax and ₹34,405 income tax a month. The new regime saves ₹2,03,930 a year, unless your old-regime deductions add up to more than ₹7,97,595.
Every salary · ₹27 lakh · ₹28 lakh · ₹29 lakh · ₹32 lakh · ₹35 lakh · ₹40 lakh
The ₹30 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹12,00,000 | ₹1,00,000 |
| HRA | ₹6,00,000 | ₹50,000 |
| Special allowance | ₹9,98,280 | ₹83,190 |
| Gross pay | ₹27,98,280 | ₹2,33,190 |
| Employer PF (in the CTC, not paid to you) | ₹1,44,000 | ₹12,000 |
| Gratuity (in the CTC, paid when you leave) | ₹57,720 | ₹4,810 |
| Your PF (12% of Basic) | −₹1,44,000 | −₹12,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹4,12,860 | −₹34,405 |
| In hand | ₹22,39,020 | ₹1,86,585 |
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 ₹30 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹27,23,280 | ₹26,01,880 |
| Income tax and cess, a year | ₹4,12,860 | ₹6,16,790 |
| Income tax, a month | ₹34,405 | ₹51,399 |
| In hand, a month | ₹1,86,585 | ₹1,69,591 |
The new regime, by ₹2,03,930 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 ₹7,97,595.
Your own deductions
Questions people ask about a ₹30 lakh salary
What is the in-hand salary on a ₹30 lakh CTC?
About ₹1,86,585 a month under the new regime: ₹2,33,190 of gross pay, less ₹12,000 PF, ₹200 professional tax and ₹34,405 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 ₹30 lakh salary?
₹4,12,860 a year in the new regime (₹34,405 a month, 13.8% of the CTC), and ₹6,16,790 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 ₹30 lakh?
The new regime, by ₹2,03,930 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 ₹7,97,595.
Other salaries: ₹27 lakh · ₹28 lakh · ₹29 lakh · ₹32 lakh · ₹35 lakh · ₹40 lakh · every salary from ₹3 lakh to ₹2 crore
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