CTC → in-hand · FY 2025-26 (AY 2026-27)
In-hand salary by LPA
Pick your package. Get monthly take-home under new vs old regime — then split it like someone who wants a future.
Quick answer
Open any LPA report for an engine-computed monthly in-hand (dual regime), PF/tax breakup, and rent/SIP-ready budget ranges. Prefer a blank calculator? Use take-home salary or salary reality.
Popular packages
4 LPA
~₹29,292/mo in-hand
5 LPA
~₹36,665/mo in-hand
6 LPA
~₹44,038/mo in-hand
7 LPA
~₹51,411/mo in-hand
8 LPA
~₹58,784/mo in-hand
9 LPA
~₹66,157/mo in-hand
10 LPA
~₹73,530/mo in-hand
11 LPA
~₹80,903/mo in-hand
12 LPA
~₹88,276/mo in-hand
15 LPA
~₹1,03,581/mo in-hand
18 LPA
~₹1,22,045/mo in-hand
20 LPA
~₹1,33,558/mo in-hand
21 LPA
~₹1,39,314/mo in-hand
23 LPA
~₹1,50,521/mo in-hand
26 LPA
~₹1,66,578/mo in-hand
30 LPA
~₹1,86,585/mo in-hand
33 LPA
~₹2,01,428/mo in-hand
36 LPA
~₹2,16,272/mo in-hand
40 LPA
~₹2,36,063/mo in-hand
50 LPA
~₹2,85,541/mo in-hand
75 LPA
~₹3,94,883/mo in-hand
100 LPA
~₹5,12,516/mo in-hand
All CTC ranges
Common questions
- Is CTC the same as in-hand salary?
- No. CTC is cost-to-company on paper. In-hand is what hits your bank after employee PF, professional tax, and income tax. Never divide CTC by 12 for budgeting.
- How do I find in-hand for my LPA package?
- Open the matching /salary/{n}-lpa-in-hand report or use the take-home calculator with your fixed CTC and basic %. Variable pay and employer PF in CTC do not land in your account.
- New vs old tax regime — which shows higher in-hand?
- It depends on HRA and deductions. Our salary reports show both regimes side by side for FY 2025-26 so you can pick before you lock payroll.
- Why is 12 LPA not ₹1 lakh per month?
- ₹12L ÷ 12 is ₹1L only before deductions. Fixed-heavy 12 LPA often lands near ₹78–88k/month in-hand after PF and tax in our default model.