Source: https://awesomecalcs.com/net-gross-salary-calculator/15-lpa-take-home-salary
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# 15 LPA Take Home Salary, Net In-Hand Salary FY 2025-26

> At ₹15 LPA CTC, your monthly take-home is ₹1,03,582 (new regime) vs ₹93,440 (old regime without deductions). New regime is better by ₹10,142/month unless you have heavy deductions.

Interactive calculator: https://awesomecalcs.com/net-gross-salary-calculator/15-lpa-take-home-salary

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## Scenario inputs

```json
{
  "inputs": {
    "annualCTC": 1500000,
    "basicPercent": 40,
    "hraPercent": 50,
    "state": "Karnataka"
  },
  "answerText": "Monthly take-home at ₹15 LPA CTC: ₹1,03,582 new regime vs ₹93,440 old regime. Gross salary is ₹13,99,154 and new-regime tax (after cess) is ₹81,768 per year at this income level."
}
```

## Frequently asked questions

### How much tax do I pay on a ₹15 LPA salary under the new regime?

Gross salary at ₹15 LPA is ₹13,99,154. Taxable income (after ₹75,000 standard deduction) is ₹13,24,154. Tax as per new-regime slabs is ₹78,623, plus 4% cess of ₹3,145, totalling ₹81,768 per year (₹6,814/month). The 87A rebate does not apply since taxable income exceeds ₹12 lakh.

### What HRA deduction do I need to make the old regime better at ₹15 LPA?

Old regime take-home at ₹15 LPA (without HRA) is ₹93,440/month vs ₹1,03,582 under the new regime, a gap of ₹10,142/month (₹1,21,704/year). To close this gap, you would need HRA exemption and other old-regime deductions that together reduce your old-regime tax by more than ₹1.22 lakh per year. This typically requires paying at least ₹40,000+ monthly rent in a metro city.