18 LPA in hand salary
A CTC of ₹18,00,000 gives approximately ₹1,24,331 per month in hand under the FY 2026-27 new tax regime — ₹14,91,971 for the year after income tax of ₹1,32,829, employee EPF of ₹86,400 and professional tax of ₹2,400.
Assumes basic = 40% of CTC, employer PF inside CTC, no gratuity in CTC, ₹2,400/year professional tax. Change any of these below to match your offer letter. FY 2026-27 rules, verified 3 Sep 2026 — see the methodology.
18 LPA at a glance
| FY 2026-27 | New regime | Old regime |
|---|---|---|
| Monthly in hand | ₹1,24,331 | ₹1,08,459 |
| Annual in hand | ₹14,91,971 | ₹13,01,506 |
| Income tax for the year | ₹1,32,829 | ₹3,23,294 |
| Effective tax rate on gross | 8.1% | 19.5% |
| Gross salary | ₹17,13,600 | |
| Employee EPF (12% of basic) | ₹86,400 a year, ₹7,200 a month | |
Rent and HRANo rent declared
Deductions (old regime)₹2,02,400 allowed
Tax and profilePT ₹2,400/yr · age 30
- Gross/month
- ₹1,42,800
- Income tax/month
- ₹11,069
- EPF + PT/month
- ₹7,400
- Effective tax
- 8.1%
What this salary means
Computed from your numbers, nothing sent anywhere- New regime saves₹1,43,665/yrOld regime tax would be ₹2,76,494 even after ₹2,02,400 of deductions.Open calculator
- HRA unused₹2,88,000You receive HRA but declared no rent. Add your rent to see the old regime exemption.Open calculator
- EPF corpus at 60₹3,40,43,617Your 12% and the employer share compounding at 8.25% with 5% annual raises, starting from age 30.Open calculator
- Home loan you can carry₹57,30,706An EMI of ₹49,732 (40% of in hand) at 8.5% over 20 years.
- Gratuity after 5 years₹1,73,07715 days of basic for every year served, tax free up to ₹20 lakh. Paid on top of CTC when you leave.Open calculator
- Among tax filerstop 5%Gross salary of ₹17,13,600 sits above 95% of income tax returns filed in India.
- In hand₹1,24,33182.9%
- Income tax₹11,0697.4%
- Employee PF₹7,2004.8%
- Professional tax₹2000.1%
- Employer PF₹7,2004.8%
- New regime₹1,24,331/month
- Old regime₹1,12,359/month
At 18 L ctc (your figure)
| Component | Per month |
|---|---|
| Cost to company | ₹1,50,000 |
| Basic | ₹60,000 |
| House rent allowance | ₹24,000 |
| Employer EPF, retained for you | − ₹7,200 |
| Gross salary | ₹1,42,800 |
| Income tax, cess and surcharge | − ₹11,069 |
| Employee EPF | − ₹7,200 |
| Professional tax | − ₹200 |
| Total in hand | ₹1,24,331 |
| Gross salary | ₹1,42,800 |
| Standard deduction | − ₹6,250 |
| Taxable income | ₹1,36,550 |
| Income tax + cess | − ₹11,069 |
| Employee PF | − ₹7,200 |
| Professional tax | − ₹200 |
| Monthly in hand | ₹1,24,331 |
| Gross salary | ₹1,42,800 |
| Standard deduction | − ₹4,167 |
| Section 80C | − ₹12,500 |
| Professional tax 16(iii) | − ₹200 |
| Taxable income | ₹1,25,933 |
| Income tax + cess | − ₹23,041 |
| Employee PF | − ₹7,200 |
| Professional tax | − ₹200 |
| Monthly in hand | ₹1,12,359 |
Where the tax comes from
Taxable income is ₹16,38,600, which reaches the 20% slab. Every extra rupee is taxed at 20.8% including cess, while the effective rate on gross is 8.1%.
When the old regime wins
You would need at least ₹6,11,000 of old-regime deductions a year — 80C, HRA exemption, home loan interest, 80D combined — before the old regime pays more than the new. Below that, the new regime saves ₹1,90,465 a year.
Hike to the next rung
Reaching 19 LPA is a 5.6% hike and adds ₹5,883 a month in hand. Dropping to 17 LPA costs ₹6,128 a month. Check any percentage on the hike calculator.
18 LPA is taxed at 20% at the margin
Taxable income of ₹16,38,600 reaches the 20% slab, so each extra rupee loses 20.8% to tax and cess. Of the next ₹1 lakh of CTC you keep ₹70,599. The next step, where the 25% slab starts, comes at a CTC of about ₹21,80,000.
Employer NPS at 14% of basic (₹1,00,800 a year) saves ₹33,457 a year in tax. Because the contribution comes out of your CTC, monthly in hand changes by −₹5,612 a month, but the money lands in your retirement account instead of the tax department.
| Lever at 18 LPA | Effect |
|---|---|
| Next ₹1 lakh of CTC | ₹70,599 a year in hand |
| Basic at 50% instead of 40% | −₹3,226 a month in hand, the difference goes to EPF |
| Employer NPS at 14% of basic | ₹33,457 less tax a year, −₹5,612 a month in hand |
18 LPA in hand by state
Professional tax is a state levy, so the monthly figure moves by a few hundred rupees with your work location. Full table on the professional tax by state page.
| Work state | Professional tax | Monthly in hand |
|---|---|---|
| Karnataka | ₹2,400 a year | ₹1,24,331 |
| Maharashtra | ₹2,500 a year | ₹1,24,323 |
| Telangana | ₹2,400 a year | ₹1,24,331 |
| Tamil Nadu | ₹2,500 a year | ₹1,24,323 |
| West Bengal | ₹2,400 a year | ₹1,24,331 |
| Gujarat | ₹2,400 a year | ₹1,24,331 |
| Delhi, Haryana, UP (no PT) | None | ₹1,24,531 |
Nearby CTCs
Every CTC from 3 to 100 LPA on one page: the in hand salary table.
Convert CTC to monthly take home for FY 2026-27 after income tax, EPF and professional tax, with the new and old regime compared side by side.