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)
₹80 lakh salary: ₹4,18,409 in hand a month
On a CTC of ₹80,00,000 you take home about ₹4,18,409 a month (₹50,20,910 a year) under the new regime, after ₹32,000 PF, ₹200 professional tax and ₹1,71,231 income tax a month. The new regime saves ₹2,22,250 a year, unless your old-regime deductions add up to more than ₹7,97,574.
Every salary · ₹60 lakh · ₹70 lakh · ₹75 lakh · ₹90 lakh · ₹1 crore · ₹1.5 crore
The ₹80 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹32,00,000 | ₹2,66,667 |
| HRA | ₹16,00,000 | ₹1,33,333 |
| Special allowance | ₹26,62,080 | ₹2,21,840 |
| Gross pay | ₹74,62,080 | ₹6,21,840 |
| Employer PF (in the CTC, not paid to you) | ₹3,84,000 | ₹32,000 |
| Gratuity (in the CTC, paid when you leave) | ₹1,53,920 | ₹12,827 |
| Your PF (12% of Basic) | −₹3,84,000 | −₹32,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹20,54,770 | −₹1,71,231 |
| In hand | ₹50,20,910 | ₹4,18,409 |
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 ₹80 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹73,87,080 | ₹72,59,680 |
| Income tax and cess, a year | ₹20,54,770 | ₹22,77,020 |
| Income tax, a month | ₹1,71,231 | ₹1,89,752 |
| In hand, a month | ₹4,18,409 | ₹3,99,888 |
The new regime, by ₹2,22,250 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 ₹7,97,574.
Your own deductions
Questions people ask about a ₹80 lakh salary
What is the in-hand salary on a ₹80 lakh CTC?
About ₹4,18,409 a month under the new regime: ₹6,21,840 of gross pay, less ₹32,000 PF, ₹200 professional tax and ₹1,71,231 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 ₹80 lakh salary?
₹20,54,770 a year in the new regime (₹1,71,231 a month, 25.7% of the CTC), and ₹22,77,020 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 ₹80 lakh?
The new regime, by ₹2,22,250 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 ₹7,97,574.
Other salaries: ₹60 lakh · ₹70 lakh · ₹75 lakh · ₹90 lakh · ₹1 crore · ₹1.5 crore · every salary from ₹3 lakh to ₹2 crore
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