18 LPA In-Hand Salary Calculator
Estimate the monthly in-hand salary for 18 LPA in India after income tax, PF, professional tax, deductions, and old vs new tax regime comparison.
ESTIMATED MONTHLY TAKE-HOME
₹1,34,008
Where your salary goes
iMonthly
Take-Home
₹1,34,008
Best choice: New Regime
Save ₹1,50,405/year compared to the other regime.
What this means at 18 LPA
At 18 LPA, your monthly in-hand salary depends heavily on regime choice, PF, professional tax, bonus structure, and deductions.
PayVerdict estimates annual tax at ₹1,46,307 under the selected best regime, with annual take-home of ₹16,08,093.
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 ₹6,33,000. You entered ₹1,50,000.
Crossing into the 20% slab at 18 LPA
Taxable income of ₹17,03,400 places 18 LPA in the ₹16–20 lakh band, where the new regime charges 20%. Estimated tax is ₹1,46,307 against ₹2,96,712 under the old regime — a gap of ₹1,50,405, or about 8.4% of CTC.
Notably the break-even deduction rises to ₹6,33,000 here from ₹5,37,000 at 15 LPA. Moving up a slab made the old regime harder to justify, not easier, which is the opposite of what most people assume when their tax bill grows.
The practical consequence is about marginal money. Each additional rupee of taxable income at this level costs 20% plus 4% cess, so 20.8%. That is the rate to apply when you are weighing a raise, a bonus, or an additional deduction — not the 8.2% effective rate the page reports above.
Deductions have to work harder at 18 LPA
₹6,33,000 of deductions against a gross of ₹17,78,400 is about 36% of gross. The absolute figure is nearly a lakh higher than at 15 LPA, and it keeps climbing at every band above this one.
The deductions that actually reach this scale are home-loan interest, a full HRA claim on metro rent, and 80C at its limit. Employer NPS contributions under 80CCD(2) are the one lever that survives into the new regime, which is worth knowing if your salary structure can accommodate it.
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 18 LPA in-hand salary per month?
With PayVerdict's default FY 2025-26 assumptions, 18 LPA is estimated at about ₹1,34,008 per month after tax, PF, and professional tax.
Which tax regime is better for 18 LPA?
The new regime is better in this estimate. The result can change if your deductions, HRA, salary structure, or other income are different.
What is the marginal tax rate at 18 LPA?
20% plus 4% cess, so 20.8% on the next rupee of taxable income under the new regime. The effective rate across the whole salary is much lower — around 8.2% — because the earlier slabs are taxed at 0%, 5%, 10% and 15%.
Does a bonus at 18 LPA get taxed differently?
No. A bonus is added to salary income and taxed at whatever slab it falls into. At 18 LPA that means the bonus is taxed at 20.8% until taxable income reaches ₹20,00,000, after which the rate steps up to 25% plus cess.
Would a home loan make the old regime better at 18 LPA?
Only as part of a larger stack. Home-loan interest is capped at ₹2,00,000 for a self-occupied property, which covers less than a third of the ₹6,33,000 break-even. It needs a full 80C claim and substantial HRA alongside it to close the gap.