40 LPA Take Home Salary, Net In-Hand Salary FY 2025-26
At ₹40 LPA CTC, your monthly take-home is ₹2,36,065 under the new tax regime for FY 2025-26. Annual income tax is ₹7,03,896 (including 4% cess) on gross salary of ₹37,31,077.
Monthly take-home at ₹40 LPA CTC is ₹2,36,065 (new regime). Gross ₹37,31,077, tax ₹7,03,896/year, PF ₹1,92,000, PT ₹2,400. Annual take-home: ₹28,32,781.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹2.36 Lakhs
₹2,36,065
Tax: ₹7,03,896/yr
Old regime (monthly)
₹2.19 Lakhs
₹2,19,165
Tax: ₹9,06,696/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.