15 LPA In-Hand Salary Calculator
Estimate the monthly in-hand salary for 15 LPA in India after income tax, PF, professional tax, deductions, and old vs new tax regime comparison.
ESTIMATED MONTHLY TAKE-HOME
₹1,13,356
Where your salary goes
iMonthly
Take-Home
₹1,13,356
Best choice: New Regime
Save ₹1,08,982/year compared to the other regime.
What this means at 15 LPA
At 15 LPA, your monthly in-hand salary depends heavily on regime choice, PF, professional tax, bonus structure, and deductions.
PayVerdict estimates annual tax at ₹94,130 under the selected best regime, with annual take-home of ₹13,60,270.
The old-regime deduction assumption is ₹1,50,000. Increasing eligible deductions can change the verdict.
Salary breakdown
Old vs new regime
Same salary inputs, compared under both FY 2025-26 regimes.
Break-even deduction insight
Old regime beats new regime only if deductions exceed ₹5,37,000. You entered ₹1,50,000.
15 LPA is where the old regime comes closest
Taxable income of ₹14,03,400 puts 15 LPA inside the ₹12–16 lakh band taxed at 15%. Estimated new-regime tax is ₹94,130 against ₹2,03,112 under the old regime, so the new regime leads by ₹1,08,982 on the default assumptions.
The more interesting number is the break-even: ₹5,37,000, the lowest of any band on this site. Both regimes have lost their rebates by this point, and the old regime's ₹2.5–5 lakh and ₹5–10 lakh slabs still do useful work against the new structure. If any income level justifies actually modelling the old regime rather than assuming, this is it.
In practice ₹5,37,000 means metro rent with a full HRA claim, a home loan running, and 80C used to the limit — all at once. Total what you will genuinely claim this year before deciding, because the answer at 15 LPA is closer than at any band above it.
The ₹5.37 lakh question at 15 LPA
₹5,37,000 against a gross of ₹14,78,400 is roughly 36% of gross income — high, but not the fantasy figure it becomes at higher bands. HRA is usually the swing factor, since it is the only component large enough to move the total on its own.
If you rent in a metro on a salary structured with a real HRA component, run both regimes properly. If you own without a loan, or rent somewhere cheap, the new regime's ₹1,08,982 advantage is very hard to overturn.
Assumptions and disclaimer
- Country: India. Tax year: FY 2025-26. Currency: INR.
- Tax model: Detailed estimate.
- India uses the detailed FY 2025-26 old vs new regime estimate.
- Employee PF, professional tax, deductions, cess, surcharge, and both section 87A and surcharge marginal relief are modeled.
- Employer PF and gratuity are removed from CTC first, since they are neither taxable salary nor cash you receive. Adjust that field to match your offer letter.
- Salary data stays in your browser and is not stored or shared.
- Every slab, rebate, and surcharge rule above is documented with its statutory source on our methodology page.
PayVerdict provides estimates for educational purposes only. Actual tax liability, EMI, and take-home salary may vary based on lender terms, employer structure, deductions, exemptions, state rules, and rate changes. Please consult a qualified professional before making financial decisions.
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FAQ
How much is 15 LPA in-hand salary per month?
With PayVerdict's default FY 2025-26 assumptions, 15 LPA is estimated at about ₹1,13,356 per month after tax, PF, and professional tax.
Which tax regime is better for 15 LPA?
The new regime is better in this estimate. The result can change if your deductions, HRA, salary structure, or other income are different.
Why is the old regime more competitive at 15 LPA than at 20 or 25 LPA?
Because the break-even deduction rises with income. At 15 LPA it is ₹5,37,000; by 20 LPA it is ₹7,00,000 and by 25 LPA it is ₹7,98,000. The new regime's slab structure pulls further ahead as income grows, so the deduction stack needed to catch it keeps getting larger.
Which slab does 15 LPA fall into under the new regime?
Taxable income of ₹14,03,400 sits in the ₹12,00,000–₹16,00,000 band, taxed at 15%. Income below that is taxed at the lower slab rates, so 15% applies only to the portion above ₹12,00,000.
How much does 15 LPA lose to PF and professional tax?
Employer PF of ₹21,600 is removed from CTC before salary is computed, employee PF of ₹21,600 is deducted from pay, and professional tax adds ₹2,400 a year. Together that is ₹45,600 before any income tax applies.