In-hand salary · FY 2026-27
₹18 LPA in-hand salary: ₹1,18,126 a month
On a CTC of ₹18,00,000 a year (₹1,50,000 a month), you take home about ₹1,18,126 a month, or ₹14,17,511 a year, under the new tax regime. That's 79% 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
₹1,18,126
In-hand a year
₹14,17,511
Income tax a year
₹1,20,699
Your PF a month
₹9,000
What changes the number
₹18 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹1,18,126 | — |
| Old regime, no deductions beyond your own PF | ₹1,05,676 | −₹12,450 |
| PF on the ₹15,000 wage ceiling | ₹1,31,142 | +₹13,016 |
| A state with no professional tax | ₹1,18,334 | +₹208 |
- Income tax under the new regime is ₹1,20,699 a year, or ₹10,058 a month, on a taxable income of ₹15,73,710.
- The new regime leaves you ₹12,450 a month better off than the old one (₹1,05,676), 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 ₹1,31,142 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.
₹14,17,511/year in-hand, on ₹18.00 L CTC.
The new regime nets you ~₹12,450/month more than the old regime here.
Where your CTC goes
- Basic pay
- ₹9,00,000 50%
- HRA
- ₹3,60,000 20%
- Special allowance (balancing)
- ₹3,88,710 22%
- Employer PF contribution
- ₹1,08,000 6%
- Gratuity provision
- ₹43,290 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹1,08,000 7%
- Professional Tax
- ₹2,500 0%
- Income tax (after rebate/relief)
- ₹1,16,057 7%
- Health & education cess (4%)
- ₹4,642 0%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
FAQ
₹18 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.