30 LPA In-Hand Salary Calculator
Estimate the monthly in-hand salary for 30 LPA in India after income tax, PF, professional tax, deductions, and old vs new tax regime comparison.
ESTIMATED MONTHLY TAKE-HOME
₹2,07,112
Where your salary goes
iMonthly
Take-Home
₹2,07,112
Best choice: New Regime
Save ₹2,02,051/year compared to the other regime.
What this means at 30 LPA
At 30 LPA, your monthly in-hand salary depends heavily on regime choice, PF, professional tax, bonus structure, and deductions.
PayVerdict estimates annual tax at ₹4,69,061 under the selected best regime, with annual take-home of ₹24,85,339.
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 ₹7,98,000. You entered ₹1,50,000.
Why the regime gap stops growing at 30 LPA
At 30 LPA both regimes tax the marginal rupee at 30% plus 4% cess. Estimated new-regime tax is ₹4,69,061 against ₹6,71,112 under the old regime, and the ₹2,02,051 difference is identical to the figure at 25 LPA.
What changes is the proportion. That same ₹2,02,051 was worth 8.1% of CTC at 25 LPA; here it is 6.7%, and it keeps shrinking as a share at every band above. The new regime still wins, but the win matters less relative to the size of the package.
Surcharge does not apply at this level. Taxable income of ₹29,03,400 is more than ₹20 lakh below the ₹50,00,000 threshold where the 10% surcharge begins, so the estimate carries no surcharge at all and the effective rate lands near 15.7%.
The deduction target no longer moves at 30 LPA
The break-even stays at ₹7,98,000 — the same figure as 25 LPA — because the two regimes now differ by a fixed amount rather than a growing one. That is about 27% of a ₹29,78,400 gross, so as a share of income the target is actually easier here than it was at 20 LPA.
This is the band where employer NPS under 80CCD(2) starts to matter most, since it is one of the few deductions that survives in the new regime. Restructuring salary to route a portion through employer NPS reduces tax without requiring you to choose the old regime at all.
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 30 LPA in-hand salary per month?
With PayVerdict's default FY 2025-26 assumptions, 30 LPA is estimated at about ₹2,07,112 per month after tax, PF, and professional tax.
Which tax regime is better for 30 LPA?
The new regime is better in this estimate. The result can change if your deductions, HRA, salary structure, or other income are different.
Does surcharge apply on a 30 LPA salary?
No. Surcharge applies above ₹50,00,000 of taxable income. At 30 LPA taxable income is ₹29,03,400, so no surcharge is levied and the tax estimate consists only of slab tax and 4% cess.
What is the effective tax rate at 30 LPA?
About 15.7% of gross under the new regime on these assumptions — ₹4,69,061 of tax on a gross of ₹29,78,400. The marginal rate on additional income is much higher at 31.2%.
Is 30 LPA enough to save meaningfully in a metro?
Take-home is roughly ₹2,07,112 a month on these assumptions. Whether that converts into savings depends almost entirely on rent and EMIs — the tax outcome at this band is largely fixed, so the controllable variable is fixed costs, not tax planning.