In-hand salary · FY 2026-27
₹14 LPA in-hand salary: ₹99,017 a month
On a CTC of ₹14,00,000 a year (₹1,16,667 a month), you take home about ₹99,017 a month, or ₹11,88,207 a year, under the new tax regime. That's 85% of your monthly CTC.
Assumes Basic at 50% of CTC, HRA at 40% of Basic, PF at 12% of actual Basic and Karnataka professional tax. Change any of them in the calculator below.
In-hand a month
₹99,017
In-hand a year
₹11,88,207
Income tax a year
₹7,623
Your PF a month
₹7,000
What changes the number
₹14 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹99,017 | — |
| Old regime, no deductions beyond your own PF | ₹86,046 | −₹12,971 |
| PF on the ₹15,000 wage ceiling | ₹1,04,009 | +₹4,992 |
| A state with no professional tax | ₹99,226 | +₹209 |
- Income tax under the new regime is ₹7,623 a year, or ₹635 a month, on a taxable income of ₹12,07,330.
- The new regime leaves you ₹12,971 a month better off than the old one (₹86,046), unless you can claim large deductions such as rent, 80C investments or home-loan interest.
- Professional tax in Karnataka is ₹200 a month (₹300 in February). States such as Delhi, Haryana and UP charge none.
- If your employer calculates PF on the ₹15,000 wage ceiling instead of your full Basic, your in-hand rises to ₹1,04,009 a month, but less goes into your PF account.
Your offer letter is different?
Adjust it to your own salary structure.
Adjust the assumptions below.
₹11,88,207/year in-hand, on ₹14.00 L CTC.
The new regime nets you ~₹12,971/month more than the old regime here.
Where your CTC goes
- Basic pay
- ₹7,00,000 50%
- HRA
- ₹2,80,000 20%
- Special allowance (balancing)
- ₹3,02,330 22%
- Employer PF contribution
- ₹84,000 6%
- Gratuity provision
- ₹33,670 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹84,000 7%
- Professional Tax
- ₹2,500 0%
- Income tax (after rebate/relief)
- ₹7,330 1%
- Health & education cess (4%)
- ₹293 0%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
Nearby amounts
In-hand salary at other CTCs.
FAQ
₹14 LPA salary, answered.
An estimate on the assumptions above for FY 2026-27, not your payslip and not tax advice. Your employer's salary structure, other income and deductions all change the real figure. Read the full disclaimer.