In-hand salary · FY 2026-27
₹8 LPA in-hand salary: ₹56,855 a month
On a CTC of ₹8,00,000 a year (₹66,667 a month), you take home about ₹56,855 a month, or ₹6,82,260 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
₹56,855
In-hand a year
₹6,82,260
Income tax a year
₹0
Your PF a month
₹4,000
What changes the number
₹8 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹56,855 | — |
| Old regime, no deductions beyond your own PF | ₹53,436 | −₹3,419 |
| PF on the ₹15,000 wage ceiling | ₹61,255 | +₹4,400 |
| A state with no professional tax | ₹57,063 | +₹208 |
- No income tax under the new regime: taxable income after the ₹75,000 standard deduction is ₹6,57,760, inside the Section 87A rebate's ₹12,00,000 limit.
- The new regime leaves you ₹3,419 a month better off than the old one (₹53,436), 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 ₹61,255 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.
₹6,82,260/year in-hand, on ₹8.00 L CTC.
The new regime nets you ~₹3,419/month more than the old regime here.
Where your CTC goes
- Basic pay
- ₹4,00,000 50%
- HRA
- ₹1,60,000 20%
- Special allowance (balancing)
- ₹1,72,760 22%
- Employer PF contribution
- ₹48,000 6%
- Gratuity provision
- ₹19,240 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹48,000 7%
- Professional Tax
- ₹2,500 0%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
FAQ
₹8 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.