Take-Home Salary for ₹18 lakh CTC in India
On a ₹18 lakh CTC, your estimated monthly in-hand pay is ₹1,18,134 under the new tax regime for FY 2025-26. Below is the full old vs new regime breakdown (assuming basic at 50% of CTC, Karnataka professional tax).
Your estimated monthly take-home under the new regime
₹1,18,134/month
The new regime saves you about ₹15,258/month vs the old regime.
Plus ₹9,000/month going into your PF (your savings, not lost).
new regime
RecommendedMonthly in-hand
₹1,18,134
Gross salary (annual)₹16,48,710
Standard deduction− ₹75,000
Taxable income₹15,73,710
Income tax + cess₹1,20,699
Employee PF− ₹1,08,000
Professional tax− ₹2,400
Net annual in-hand₹14,17,611
old regime
Monthly in-hand
₹1,02,876
Gross salary (annual)₹16,48,710
Standard deduction− ₹50,000
Taxable income₹15,98,710
Income tax + cess₹3,03,798
Employee PF− ₹1,08,000
Professional tax− ₹2,400
Net annual in-hand₹12,34,512
How your CTC is split
Basic₹9,00,000
HRA₹4,50,000
Special allowance₹2,98,710
Employer PF₹1,08,000
Gratuity₹43,290
Employer PF and gratuity are part of CTC but not paid as monthly cash.
These are estimates with default assumptions. Adjust your basic %, state, HRA, and deductions for an exact figure:
Customise in the calculator →Frequently asked questions
- What is the take-home salary for a ₹18 lakh CTC in India?
- On a ₹18 lakh CTC, the estimated monthly in-hand salary is about ₹1,18,134 under the new tax regime for FY 2025-26, assuming basic pay at 50% of CTC and standard PF contributions.
- How much tax do I pay on a ₹18 lakh salary?
- The estimated annual income tax (including 4% cess) is ₹1,20,699 under the new regime. The exact figure depends on your deductions and chosen regime.
- Which tax regime is better for a ₹18 lakh CTC?
- For a ₹18 lakh CTC with no major deductions, the new regime gives a higher take-home. If you have significant HRA, 80C, or home-loan deductions, the old regime may be better — use the calculator to compare your exact case.