Salary · FY 2026-27
Estimated monthly take-home
₹1,13,556
That is about ₹13,62,670 a year. Dividing ₹15 lakh by twelve would suggest ₹1,25,000 — roughly 9% more than actually arrives.
Typical of senior individual contributors and first-line managers in metro cities.
Annual take-home
₹13,62,670
Estimated income tax
₹94,130
Your PF contribution
₹21,600
Employer PF in the CTC
₹21,600
This is the first level on this list where income tax appears at all. At ₹10 lakh and ₹12 lakh the rebate absorbs the whole bill; here it does not, and the tax line goes from nothing to a substantial figure in one step. That also makes it the salary at which the old-versus-new regime question starts being worth real money rather than a rounding difference.
| Annual CTC | ₹15,00,000 | What the offer letter says |
| Less: employer PF | − ₹21,600 | Real money, but it goes to your PF account |
| Less: your PF | − ₹21,600 | Deducted from your pay into the same account |
| Less: professional tax | Not included | Set by your state — choose yours in the calculator to include it |
| Less: estimated income tax | − ₹94,130 | New regime, Tax Year 2026-27 |
| Annual take-home | ₹13,62,670 | What reaches your account |
Assumes basic pay at 40% of CTC, the new tax regime, and no bonus outside CTC. Your employer’s structure will differ — change the assumptions in the calculator below to match your own.
About ₹1,13,556 a month in hand on the assumptions used here — a 40% basic salary, the new tax regime and standard PF. Professional tax is not included, because it depends on your state. Dividing ₹15 lakh by twelve gives ₹1,25,000, which is roughly 9% higher than what actually arrives.
CTC includes your employer's PF contribution and often gratuity provision and insurance, none of which reach your account. Your own PF, professional tax and income tax then come out of what is left. Here that is about ₹21,600 of employer PF, ₹21,600 of your own PF, and ₹94,130 of estimated tax.
Almost certainly not. Employers structure CTC differently — the basic-pay share varies, some include insurance or meal allowances, and professional tax differs by state. This shows the shape of the deduction rather than your specific payslip, which is why the calculator lets you change every assumption.
Yes, sometimes substantially. This page assumes the new regime, which suits people without large deductions. If you claim significant HRA, home-loan interest or 80C investments, run the comparison rather than assuming.
