12 LPA Take Home Salary Under New Tax Regime 2025-26
Take-home at ₹12 LPA CTC under the new tax regime is ₹88,277/month for FY 2025-26, zero income tax due to the 87A rebate. Vs old regime (no extra deductions): ₹78,324/month, a gap of ₹9,953.
New regime take-home at ₹12 LPA: ₹88,277/month (zero tax). Old regime without extra deductions: ₹78,324/month. Switch to new regime to save ₹9,953 per month unless you can claim old-regime deductions above ₹2.56 lakh.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹88,
Tax: Nil (87A rebate)
Old regime (monthly)
₹78,
Tax: ₹1,20,658/yr
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Assumes basic = 40% of CTC, HRA = 50% of basic, employee and employer PF at 12% of basic each, gratuity provision at (monthly basic x 15)/26 per year, professional tax as per Karnataka rates, and FY 2025-26 tax slabs. Old regime comparison uses standard deduction only; add your actual deductions in the full calculator.