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)
₹75 lakh salary: ₹3,94,883 in hand a month
On a CTC of ₹75,00,000 you take home about ₹3,94,883 a month (₹47,38,600 a year) under the new regime, after ₹30,000 PF, ₹200 professional tax and ₹1,57,892 income tax a month. The new regime saves ₹2,22,260 a year, unless your old-regime deductions add up to more than ₹7,97,598.
Every salary · ₹50 lakh · ₹60 lakh · ₹70 lakh · ₹80 lakh · ₹90 lakh · ₹1 crore
The ₹75 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹30,00,000 | ₹2,50,000 |
| HRA | ₹15,00,000 | ₹1,25,000 |
| Special allowance | ₹24,95,700 | ₹2,07,975 |
| Gross pay | ₹69,95,700 | ₹5,82,975 |
| Employer PF (in the CTC, not paid to you) | ₹3,60,000 | ₹30,000 |
| Gratuity (in the CTC, paid when you leave) | ₹1,44,300 | ₹12,025 |
| Your PF (12% of Basic) | −₹3,60,000 | −₹30,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹18,94,700 | −₹1,57,892 |
| In hand | ₹47,38,600 | ₹3,94,883 |
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 ₹75 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹69,20,700 | ₹67,93,300 |
| Income tax and cess, a year | ₹18,94,700 | ₹21,16,960 |
| Income tax, a month | ₹1,57,892 | ₹1,76,413 |
| In hand, a month | ₹3,94,883 | ₹3,76,362 |
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 ₹7,97,598.
Your own deductions
Questions people ask about a ₹75 lakh salary
What is the in-hand salary on a ₹75 lakh CTC?
About ₹3,94,883 a month under the new regime: ₹5,82,975 of gross pay, less ₹30,000 PF, ₹200 professional tax and ₹1,57,892 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 ₹75 lakh salary?
₹18,94,700 a year in the new regime (₹1,57,892 a month, 25.3% of the CTC), and ₹21,16,960 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 ₹75 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 ₹7,97,598.
Other salaries: ₹50 lakh · ₹60 lakh · ₹70 lakh · ₹80 lakh · ₹90 lakh · ₹1 crore · every salary from ₹3 lakh to ₹2 crore
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