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₹18 Lakh CTC In-Hand Salary Calculator (India)

Estimated Take-Home Summary (Single Filer)

Net Annual Pay$60,263

Monthly Take-Home$5,022

Bi-Weekly Paycheck$2,318

Total Tax Bite %19.6%

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Updated for India FY 2025-26 Budget: New Tax Regime Slabs • Section 87A Full Tax Rebate up to ₹7 Lakh • Standard Deduction ₹75,000

Salary & In-Hand Pay Calculator (India FY 2024-26)

Calculate your exact monthly take-home salary from gross annual CTC after EPF, professional tax, and Indian Income Tax (New Regime).

India • Budget 2024-26

Gross Annual CTC

₹

Total cost-to-company quoted in your offer letter

Quick:

Employee Provident Fund (EPF % of Basic) Slider12 %

0 %12 %

Standard EPF contribution is 12% of basic salary

Monthly Professional Tax

₹

State professional tax (typically ₹200/month)

Monthly Take-Home Summary

Net In-Hand Paycheck

₹122,012

Annual In-Hand: ₹1,464,149

Monthly EPF

₹9,000

Retirement savings

Monthly Tax TDS

₹18,788

Estimated income tax

Monthly Gross

₹150,000

Annual Deductions

₹335,851

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Monthly In-Hand₹122,012/mo

💡 Direct Answer: For an ₹18,00,000 (18 LPA) CTC under the New Tax Regime (FY 2024-25), your estimated monthly in-hand salary is approximately ₹1,18,000 to ₹1,22,000. Annual deductions include ₹1,08,000 in EPF, ₹2,400 in professional tax, and roughly ₹1,95,000 in income tax TDS.

Pay Frequency Breakdown: ₹18 Lakh CTC In-Hand Salary Calculator (India)

Pay Frequency	Gross Pay	Est. Taxes (TDS/FICA)	Net Take-Home Pay
Annual (1 Year)	₹1,800,000	-₹270,000	₹1,530,000
Monthly (12 Paychecks)	₹150,000	-₹22,500	₹127,500
Semi-Monthly (24 Paychecks)	₹75,000	-₹11,250	₹63,750
Bi-Weekly (26 Paychecks)	₹69,231	-₹10,385	₹58,846
Weekly (52 Paychecks)	₹34,615	-₹5,192	₹29,423
Hourly (40 hrs/wk)	₹865	-₹130	₹735

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About ₹18 Lakh CTC In-Hand Salary Calculator (India)

The ₹18 LPA CTC tier is a standard compensation benchmark for mid-to-senior software engineers and product managers in India. This preset computes monthly bank credit after factoring in the 2024 Union Budget tax slabs.

Formula & Computation Model

Exact Computation

Net Monthly Salary = (Gross Annual CTC - PF Contribution - Professional Tax - Estimated Income Tax) / 12.

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Help & Documentation

Frequently Asked Questions: ₹18 Lakh CTC In-Hand Salary Calculator (India)

Clear mathematical answers to key questions, calculations, and loan parameters.

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

After EPF and income tax TDS deductions under the New Regime, monthly take-home is roughly ₹1,18,000 to ₹1,21,500.

How much income tax is deducted on an 18 Lakh CTC?

Under the New Tax Regime with ₹75k standard deduction, tax liability is approximately ₹1,95,000 to ₹2,05,000 annually (~₹16,500/month TDS).

Is New Regime or Old Regime better for 18 LPA?

For most individuals without large home loan interest deductions (Section 24) or major HRA exemptions, the New Tax Regime yields higher monthly take-home due to lower slab rates.

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