₹18 LPA in-hand salary

On ₹18 LPA about a quarter of your CTC never reaches your account. Tax has overtaken provident fund as the largest single deduction, and the regime choice starts to be worth real money.

Monthly take-home on ₹18 LPA

Gross salary (annual)
₹ 16,92,000
Income tax (new regime)
₹ 1,28,336
Share of CTC you keep
80.7%
Monthly in-hand
₹ 1,21,105

Where the money goes

ComponentAnnualMonthly
Basic pay ₹ 9,00,000 ₹ 75,000
House rent allowance ₹ 4,50,000 ₹ 37,500
Special allowance ₹ 2,98,710 ₹ 24,893
Employer's PF contribution ₹ 1,08,000 ₹ 9,000
Gratuity (accrual) ₹ 43,290 ₹ 3,608
In hand ₹ 14,53,264 ₹ 1,21,105

Assumes basic at 50% of CTC, EPF at 12% of basic, professional tax of ₹200/month and whichever tax regime leaves more in hand. FY 2026-27 rates.

Adjust the assumptions

₹ 18,00,000 per year

Assumptions

Left at zero, the old regime is compared using only the standard deduction, professional tax and your PF.

Monthly in-hand salary ₹ 1,21,105

From a CTC of ₹ 18,00,000, that is 80.7% of your CTC reaching your account.

Where every rupee goes

Cost to company ₹ 18,00,000
Employer's PFin CTC, not in salary − ₹ 1,08,000
Gross salary ₹ 16,92,000
Your PFyours, but locked − ₹ 1,08,000
Professional tax − ₹ 2,400
Income tax (new regime) − ₹ 1,28,336
Annual take-home ₹ 14,53,264
Monthly gross ₹ 1,41,000
Monthly in-hand ₹ 1,21,105
Annual tax ₹ 1,28,336
Effective tax rate 7.9%

Tax regime

New regime (better) ₹ 1,28,336
Old regime ₹ 2,82,859

The new regime leaves you ₹ 1,54,523 better off this year. Old-regime figures assume only the standard deduction, professional tax and your PF. Add your real 80C, 80D and HRA claims under Assumptions.

Expecting a raise? See what a hike on this salary is really worth: the headline percentage and the in-hand percentage are not the same number.

Questions about ₹18 LPA

What is the in-hand salary for ₹18 LPA?

About ₹ 1,21,105 a month, assuming basic pay at 50% of CTC. That is ₹ 14,53,264 a year, or 80.7% of the headline CTC.

How much tax do I pay on ₹18 LPA?

₹ 1,28,336 a year under the new regime, including 4% cess, an effective rate of 7.9% on your taxable income.

What is the gross salary for a ₹18 LPA CTC?

₹ 16,92,000 a year. The difference from CTC is your employer's provident fund contribution of ₹ 1,08,000, which goes into your PF account rather than your salary.

Is ₹18 LPA a good salary in India?

It places you well above the national median, though what it buys depends heavily on city. The more useful question is the monthly figure, ₹ 1,21,105, since rent and EMIs come out of take-home, not CTC.

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