18 LPA Take Home Salary — Net In-Hand Salary FY 2025-26
At ₹18 LPA CTC, your monthly in-hand salary is ₹1,22,064 under the new tax regime for FY 2025-26. Annual income tax under the new regime is ₹1,25,422 (including 4% cess).
Monthly take-home at ₹18 LPA CTC is ₹1,22,064 under the new regime. Tax is ₹1,25,422/year. Gross salary is ₹16,78,985 and total deductions (PF + PT + tax) are ₹2,14,222 per year.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹1,
Tax: ₹1,25,629/yr
Old regime (monthly)
₹1,
Tax: ₹2,86,287/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.