In-Hand Salary by CTC Tax Year 2026–27
Pick your package to see a worked monthly take-home estimate, the assumptions behind it, and how much the answer moves when the salary structure changes.
Not on the list?
Enter any CTC and the calculator will work it out, same engine, same assumptions, any number you like.
How the gap widens as CTC grows
Dividing CTC by twelve overstates your salary at every level, but by a share that grows as the package does.
| Package | CTC ÷ 12 | Actual in-hand | Take-home as % of CTC |
|---|---|---|---|
| ₹3 LPA | ₹25,000 | ₹21,399 | 85.6% |
| ₹5 LPA | ₹41,667 | ₹36,856 | 88.5% |
| ₹8 LPA | ₹66,667 | ₹61,255 | 91.9% |
| ₹10 LPA | ₹83,333 | ₹77,521 | 93% |
| ₹12 LPA | ₹1,00,000 | ₹93,787 | 93.8% |
| ₹15 LPA | ₹1,25,000 | ₹1,10,810 | 88.6% |
| ₹20 LPA | ₹1,66,667 | ₹1,44,025 | 86.4% |
| ₹25 LPA | ₹2,08,333 | ₹1,74,744 | 83.9% |
| ₹30 LPA | ₹2,50,000 | ₹2,02,967 | 81.2% |
| ₹50 LPA | ₹4,16,667 | ₹3,14,876 | 75.6% |
| ₹75 LPA | ₹6,25,000 | ₹4,39,622 | 70.3% |
| ₹100 LPA | ₹8,33,333 | ₹5,73,164 | 68.8% |
₹2–5 LPA
Entry-level and early-career packages. Income tax is usually nil, so PF is what separates CTC from cash.
₹5–10 LPA
Most first promotions land here. Still largely tax-free under the new regime once the standard deduction is applied.
₹10–20 LPA
Where tax starts to matter. This range straddles the rebate threshold and the marginal relief band.
₹20–50 LPA
Senior and specialist packages. Variable pay grows, and more of each increment goes to tax than to you.
₹50 LPA and above
Surcharge enters the picture above ₹50 lakh of taxable income, along with its own marginal relief.
Common questions
Why does take-home fall as a share of CTC when the package gets bigger?
Because tax is progressive and PF is not. On a ₹5 lakh package there is effectively no income tax, so nearly everything except PF and employer-side costs reaches you. By ₹50 lakh a large slice is taxed at 30%, and above the surcharge threshold you are paying tax on the tax.
That is why the percentages in the table above slide downwards. It is not a fee. It is the slab structure working as designed.
Are these figures what I will actually be paid?
They are worked examples on a stated set of assumptions: Basic at 50% of CTC, PF capped at the ₹15,000 statutory wage, a gratuity provision inside CTC, Karnataka's Professional Tax, the new regime and no variable pay.
Change any of those and the number changes, sometimes by thousands a month. Each page shows the range, and the main calculator lets you enter your own structure.
Why are there pages for 3.5 LPA and 4.2 LPA but not every decimal?
Because a page is only worth having if it can say something specific. These values reflect packages people are actually offered, campus offers cluster around 3.2, 3.6 and 4.2 LPA, and half-lakh steps dominate the early-career range.
Generating every decimal between ₹2 lakh and ₹1 crore would produce thousands of pages that differ only in one number. If a value you need is missing, put it straight into the calculator. That is the same engine these pages use.
How these examples are produced
- Tax rules are the ones in force for Tax Year 2026–27, under the Income-tax Act, 2025 (in force from 1 April 2026).
- EPF and pension figures follow EPFO’s published contribution rules.
- Professional Tax is included only for states where we have a rule we trust, and named as missing where we do not.
- Every assumption behind the estimate is shown on screen and can be changed.
- The calculator runs entirely in your browser. Your salary is never sent anywhere.