7 LPA Take Home Salary — Net In-Hand Salary FY 2025-26
At ₹7 LPA CTC, your monthly take-home is ₹51,412 under the new tax regime (zero tax due to 87A rebate). Under the old tax regime without deductions, take-home drops to ₹49,126.
Monthly take-home at ₹7 LPA CTC is ₹51,412 (new regime, zero tax). Under the old regime without additional deductions, take-home is ₹49,126 because income exceeds the ₹5 lakh 87A rebate threshold.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹51,
Tax: Nil (87A rebate)
Old regime (monthly)
₹49,
Tax: ₹27,423/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.