Interactive graph

New regime in-hand salary vs CTC

Assumes metro city, age < 60, standard deduction, and standard EPF (12% on wage cap).

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Annual CTC

₹12,00,000 / year

Adjust the slider to see monthly in-hand under the new regime.

Monthly take-home: ₹91,131
12 L2.5 Cr

Monthly in-hand (new regime)

Std deduction · EPF applied

12 L60 L1.1 Cr1.5 Cr2.0 Cr2.5 Cr₹0₹3,25,915₹6,51,830₹9,77,745₹13,03,660
₹91,131 / mo
12 L · ₹91,131 / month

👉 Figures include: ₹50,000 standard deduction, EPF 12% on ₹15k wage base. Use this to sense how take-home scales across 12 LPA to 2.5 Cr under the new regime.

✅ Observation: The curve is almost linear with a slight flattening at higher CTCs. Progressive slabs add tax faster at the top end, while fixed deductions (standard deduction, PF/PT caps) matter less proportionally as CTC grows.