In hand salary table: 3 to 100 LPA
Every common CTC in one table, computed from the same FY 2026-27 engine as the calculator: basic at 40% of CTC, employer PF inside CTC, ₹2,400 a year of professional tax, new regime. Your offer letter's structure moves these figures, so open any row in the calculator to change it.
| CTC | Monthly in hand | Income tax a year | In hand share | Band |
|---|---|---|---|---|
| 3 LPA | ₹22,400 | ₹0 | 89.6% | Tax free (87A) |
| 3.36 LPA | ₹25,112 | ₹0 | 89.7% | Tax free (87A) |
| 3.5 LPA | ₹26,167 | ₹0 | 89.7% | Tax free (87A) |
| 3.6 LPA | ₹26,920 | ₹0 | 89.7% | Tax free (87A) |
| 4 LPA | ₹29,933 | ₹0 | 89.8% | Tax free (87A) |
| 4.25 LPA | ₹31,817 | ₹0 | 89.8% | Tax free (87A) |
| 4.5 LPA | ₹33,700 | ₹0 | 89.9% | Tax free (87A) |
| 5 LPA | ₹37,467 | ₹0 | 89.9% | Tax free (87A) |
| 5.5 LPA | ₹41,233 | ₹0 | 90% | Tax free (87A) |
| 5.75 LPA | ₹43,117 | ₹0 | 90% | Tax free (87A) |
| 6 LPA | ₹45,000 | ₹0 | 90% | Tax free (87A) |
| 6.5 LPA | ₹48,767 | ₹0 | 90% | Tax free (87A) |
| 7 LPA | ₹52,533 | ₹0 | 90.1% | Tax free (87A) |
| 7.5 LPA | ₹56,300 | ₹0 | 90.1% | Tax free (87A) |
| 8 LPA | ₹60,067 | ₹0 | 90.1% | Tax free (87A) |
| 8.5 LPA | ₹63,833 | ₹0 | 90.1% | Tax free (87A) |
| 9 LPA | ₹67,600 | ₹0 | 90.1% | Tax free (87A) |
| 9.5 LPA | ₹71,367 | ₹0 | 90.1% | Tax free (87A) |
| 10 LPA | ₹75,133 | ₹0 | 90.2% | Tax free (87A) |
| 11 LPA | ₹82,667 | ₹0 | 90.2% | Tax free (87A) |
| 12 LPA | ₹90,200 | ₹0 | 90.2% | Tax free (87A) |
| 13 LPA | ₹97,733 | ₹0 | 90.2% | Tax free (87A) |
| 14 LPA | ₹1,00,257 | ₹60,112 | 85.9% | Marginal relief |
| 15 LPA | ₹1,05,611 | ₹86,268 | 84.5% | 15% slab |
| 16 LPA | ₹1,11,907 | ₹1,01,119 | 83.9% | 15% slab |
| 17 LPA | ₹1,18,203 | ₹1,15,970 | 83.4% | 15% slab |
| 18 LPA | ₹1,24,331 | ₹1,32,829 | 82.9% | 20% slab |
| 19 LPA | ₹1,30,214 | ₹1,52,630 | 82.2% | 20% slab |
| 20 LPA | ₹1,36,097 | ₹1,72,432 | 81.7% | 20% slab |
| 21 LPA | ₹1,41,981 | ₹1,92,234 | 81.1% | 20% slab |
| 22 LPA | ₹1,47,780 | ₹2,13,044 | 80.6% | 25% slab |
| 23 LPA | ₹1,53,250 | ₹2,37,796 | 80% | 25% slab |
| 24 LPA | ₹1,58,721 | ₹2,62,548 | 79.4% | 25% slab |
| 25 LPA | ₹1,64,192 | ₹2,87,300 | 78.8% | 25% slab |
| 26 LPA | ₹1,69,662 | ₹3,12,062 | 78.3% | 30% slab |
| 27 LPA | ₹1,74,720 | ₹3,41,765 | 77.7% | 30% slab |
| 28 LPA | ₹1,79,778 | ₹3,71,467 | 77% | 30% slab |
| 29 LPA | ₹1,84,836 | ₹4,01,170 | 76.5% | 30% slab |
| 30 LPA | ₹1,89,894 | ₹4,30,872 | 76% | 30% slab |
| 32 LPA | ₹2,00,010 | ₹4,90,277 | 75% | 30% slab |
| 35 LPA | ₹2,15,185 | ₹5,79,384 | 73.8% | 30% slab |
| 36 LPA | ₹2,20,243 | ₹6,09,086 | 73.4% | 30% slab |
| 40 LPA | ₹2,40,475 | ₹7,27,896 | 72.1% | 30% slab |
| 45 LPA | ₹2,65,766 | ₹8,76,408 | 70.9% | 30% slab |
| 50 LPA | ₹2,91,057 | ₹10,24,920 | 69.9% | 30% slab |
| 55 LPA | ₹3,06,580 | ₹12,90,640 | 66.9% | Slab + surcharge |
| 60 LPA | ₹3,30,622 | ₹14,54,138 | 66.1% | Slab + surcharge |
| 70 LPA | ₹3,78,728 | ₹17,80,865 | 64.9% | Slab + surcharge |
| 75 LPA | ₹4,02,781 | ₹19,44,228 | 64.4% | Slab + surcharge |
| 80 LPA | ₹4,26,834 | ₹21,07,591 | 64% | Slab + surcharge |
| 90 LPA | ₹4,74,940 | ₹24,34,318 | 63.3% | Slab + surcharge |
| 100 LPA | ₹5,23,046 | ₹27,61,044 | 62.8% | Slab + surcharge |
New regime, basic 40% of CTC, employer PF inside CTC, no gratuity, ₹2,400 professional tax. See the methodology for every rule behind the figures, or the regime comparison if you claim large deductions.
Questions
Up to about ₹13.4 lakh CTC on this structure in FY 2026-27. The section 87A rebate covers taxable income up to ₹12 lakh, and the ₹75,000 standard deduction and employee EPF sit on top of that.
Just past the ₹12 lakh rebate cap, marginal relief limits tax to the income above ₹12 lakh, so almost every extra rupee goes to tax until relief runs out. Employer NPS under 80CCD(2) is the strongest fix in that band.