Salary · FY 2026-27
₹18 lakh CTC in-hand salary
Estimated monthly take-home
₹1,34,049
That is about ₹16,08,592 a year. Dividing ₹18 lakh by twelve would suggest ₹1,50,000 — roughly 11% more than actually arrives.
Experienced professionals, often with a variable component on top that this page deliberately excludes.
Annual take-home
₹16,08,592
Estimated income tax
₹1,45,808
Your PF contribution
₹21,600
Employer PF in the CTC
₹21,600
What is different at ₹18 lakh
Most of the marginal rupee is now taxed in the higher slabs, which changes what a raise is worth. This is the level at which the difference between a headline hike and a take-home hike becomes large enough to change whether an offer is worth taking, so it pairs directly with the salary hike and offer comparison tools.
Where the money goes
| Annual CTC | ₹18,00,000 | What the offer letter says |
| Less: employer PF | − ₹21,600 | Real money, but it goes to your PF account |
| Less: your PF | − ₹21,600 | Deducted from your pay into the same account |
| Less: professional tax | − ₹2,400 | Varies by state |
| Less: estimated income tax | − ₹1,45,808 | New regime, Tax Year 2026-27 |
| Annual take-home | ₹16,08,592 | What reaches your account |
Assumes basic pay at 40% of CTC, the new tax regime, and no bonus outside CTC. Your employer’s structure will differ — change the assumptions in the calculator below to match your own.
Nearby salary levels
Common questions
How much is ₹18 lakh CTC per month?
About ₹1,34,049 a month in hand on the assumptions used here — a 40% basic salary, the new tax regime, and standard PF and professional tax deductions. Dividing ₹18 lakh by twelve gives ₹1,50,000, which is roughly 11% higher than what actually arrives.
Why is the in-hand so much lower than ₹18 lakh?
CTC includes your employer's PF contribution and often gratuity provision and insurance, none of which reach your account. Your own PF, professional tax and income tax then come out of what is left. Here that is about ₹21,600 of employer PF, ₹21,600 of your own PF, and ₹1,45,808 of estimated tax.
Will my payslip match this exactly?
Almost certainly not. Employers structure CTC differently — the basic-pay share varies, some include insurance or meal allowances, and professional tax differs by state. This shows the shape of the deduction rather than your specific payslip, which is why the calculator lets you change every assumption.
Does the tax regime change this?
Yes, sometimes substantially. This page assumes the new regime, which suits people without large deductions. If you claim significant HRA, home-loan interest or 80C investments, run the comparison rather than assuming.