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)
₹70 lakh salary: ₹3,71,357 in hand a month
On a CTC of ₹70,00,000 you take home about ₹3,71,357 a month (₹44,56,280 a year) under the new regime, after ₹28,000 PF, ₹200 professional tax and ₹1,44,553 income tax a month. The new regime saves ₹2,22,260 a year, unless your old-regime deductions add up to more than ₹7,97,594.
Every salary · ₹45 lakh · ₹50 lakh · ₹60 lakh · ₹75 lakh · ₹80 lakh · ₹90 lakh
The ₹70 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹28,00,000 | ₹2,33,333 |
| HRA | ₹14,00,000 | ₹1,16,667 |
| Special allowance | ₹23,29,320 | ₹1,94,110 |
| Gross pay | ₹65,29,320 | ₹5,44,110 |
| Employer PF (in the CTC, not paid to you) | ₹3,36,000 | ₹28,000 |
| Gratuity (in the CTC, paid when you leave) | ₹1,34,680 | ₹11,223 |
| Your PF (12% of Basic) | −₹3,36,000 | −₹28,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹17,34,640 | −₹1,44,553 |
| In hand | ₹44,56,280 | ₹3,71,357 |
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 ₹70 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹64,54,320 | ₹63,26,920 |
| Income tax and cess, a year | ₹17,34,640 | ₹19,56,900 |
| Income tax, a month | ₹1,44,553 | ₹1,63,075 |
| In hand, a month | ₹3,71,357 | ₹3,52,835 |
The new regime, by ₹2,22,260 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 ₹7,97,594.
Your own deductions
Questions people ask about a ₹70 lakh salary
What is the in-hand salary on a ₹70 lakh CTC?
About ₹3,71,357 a month under the new regime: ₹5,44,110 of gross pay, less ₹28,000 PF, ₹200 professional tax and ₹1,44,553 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 ₹70 lakh salary?
₹17,34,640 a year in the new regime (₹1,44,553 a month, 24.8% of the CTC), and ₹19,56,900 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 ₹70 lakh?
The new regime, by ₹2,22,260 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 ₹7,97,594.
Other salaries: ₹45 lakh · ₹50 lakh · ₹60 lakh · ₹75 lakh · ₹80 lakh · ₹90 lakh · every salary from ₹3 lakh to ₹2 crore
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