18 LPA in hand salary: how much you get per month
A ₹18,00,000 CTC works out to about ₹1,22,045 a month in hand under the new tax regime for FY 2026-27. Income tax takes ₹10,469 a month. ₹7,200 a month goes to your PF. The full payslip is below.
Monthly in-hand
₹1,22,045
Annual take-home
₹14,64,543
Income tax a year
₹1,25,625
Under the new regime, after income tax, provident fund and professional tax.
Assumes basic pay at 40% of CTC, HRA at 50% of basic, employer PF and gratuity included in the CTC, provident fund on full basic, and Karnataka professional tax. Change any of these in the calculator, the figures move accordingly. Rules reviewed 20 August 2026.
How a 18 LPA CTC is split
Indian offer letters quote cost to company, which bundles in money you never see as cash: your employer's provident fund contribution and the gratuity provision. Here is where a 18 LPA package actually goes.
| Component | Monthly | Annual |
|---|---|---|
| Basic salary | ₹60,000 | ₹7,20,000 |
| House rent allowance | ₹30,000 | ₹3,60,000 |
| Special allowance | ₹49,914 | ₹5,98,968 |
| Employer PF | ₹7,200 | ₹86,400 |
| Gratuity | ₹2,886 | ₹34,632 |
| Total CTC | ₹1,50,000 | ₹18,00,000 |
Your monthly payslip on 18 LPA
Gross pay less the three things every salaried Indian sees deducted: provident fund, professional tax and TDS.
| Line item | Monthly |
|---|---|
| Gross salary | ₹1,39,914 |
| Less: employee PF | − ₹7,200 |
| Less: professional tax | − ₹200 |
| Less: income tax (TDS) | − ₹10,469 |
| Net pay credited | ₹1,22,045 |
New regime or old regime on 18 LPA?
Claiming nothing beyond the standard deduction, the new regime leaves you ₹1,59,907 better off at this package. The old regime only wins once your HRA, 80C and 80D claims are large enough to outweigh the new regime's wider slabs.
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹16,03,968 | ₹15,40,168 |
| Income tax | ₹1,25,625 | ₹2,85,532 |
| Effective tax rate | 7.5% | 17% |
| Monthly in-hand | ₹1,22,045 | ₹1,08,720 |
| Annual take-home | ₹14,64,543 | ₹13,04,636 |
Questions about a 18 LPA salary
- 18 LPA means how much per month?
- 18 LPA means a CTC of ₹18,00,000 a year. After income tax, provident fund and professional tax, that leaves about ₹1,22,045 in hand every month under the new tax regime for FY 2026-27.
- How much is 18lpa in hand salary per month?
- About ₹1,22,045 a month, or ₹14,64,543 across the year. Your employer also puts ₹7,200 a month into your PF, which is part of the CTC but never reaches your bank account.
- How much tax do I pay on 18 LPA?
- ₹1,25,625 a year, or about ₹10,469 a month deducted as TDS, under the new regime. That is an effective rate of 7.5% on your gross salary, against ₹2,85,532 under the old regime before any investment deductions.
- Is 18 LPA a good salary in India?
- That depends on your city, role and experience, which no calculator can judge for you. What it is worth is exact: ₹1,22,045 a month in hand, plus ₹1,72,800 a year building up in your PF.
- Should I pick the new or old regime on a 18 LPA package?
- With no deductions claimed, the new regime wins at 18 LPA, leaving you ₹1,59,907 better off over the year. The old regime only overtakes once your HRA, 80C, 80D and home loan claims grow large enough. The calculator shows you that break-even figure for your own numbers.