With a ₹13 lakh CTC, your take-home pay is about ₹95,641 a month under the new tax regime. You pay no income tax at this salary.
Change the basic pay, PF or deductions below to match your offer letter.
| Breakdown | Yearly | Monthly |
|---|
| Component | Yearly | Monthly |
|---|---|---|
| CTC | ₹13,00,000 | ₹1,08,333 |
| Basic pay (40% of CTC) | ₹5,20,000 | ₹43,333 |
| Employer PF | −₹62,400 | −₹5,200 |
| Gratuity | −₹25,012 | −₹2,084 |
| Gross salary | ₹12,12,588 | ₹1,01,049 |
| Your PF contribution | −₹62,400 | −₹5,200 |
| Professional tax | −₹2,500 | −₹208 |
| Income tax (new regime) | −₹0 | −₹0 |
| In-hand salary | ₹11,47,688 | ₹95,641 |
Gross salary of ₹12,12,588 minus the ₹75,000 standard deduction leaves taxable income of ₹11,37,588. The new regime slabs apply to that amount:
The new regime already brings your tax to zero, so the old regime cannot beat it at 13 LPA. With only PF and the standard deduction, the old regime would cost you ₹1,47,479 in tax a year.
Your in-hand pay under the old regime with no extra deductions would be ₹83,351 a month, against ₹95,641 under the new regime.
About ₹95,641 per month, or ₹11,47,688 a year, under the new tax regime in FY 2026–27. This assumes basic pay at 40% of CTC, PF at 12% of basic, gratuity included in CTC and ₹2,500 professional tax.
None under the new regime. Taxable income after the ₹75,000 standard deduction is ₹11,37,588, which is within the ₹12 lakh Section 87A rebate limit.
The new regime already brings your tax to zero, so the old regime cannot beat it at 13 LPA. With only PF and the standard deduction, the old regime would cost you ₹1,47,479 in tax a year.
Budget 2026 kept the slabs from last year. The new regime is the default unless you choose the old one.
| Taxable income | Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
| Taxable income | Rate |
|---|---|
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Start with CTC and remove the parts you never receive as pay: employer PF and gratuity. That gives gross salary. From gross, subtract your own PF contribution, professional tax and income tax. Divide what is left by 12.
Under the new regime, yes for salaried people. The ₹75,000 standard deduction brings ₹12.75 lakh of salary down to ₹12 lakh of taxable income, and the Section 87A rebate cancels tax up to that level.
The old regime only wins when your deductions are large: full 80C, health insurance, HRA on high rent, and home loan interest together. If you claim little beyond PF, the new regime almost always gives more take-home pay.
Employers deduct tax (TDS) based on the regime you declare and adjust it through the year. Bonuses, variable pay, meal cards and NPS contributions also change the monthly figure.
This is an estimate for resident salaried individuals below 60 years. It includes the 4% health and education cess, surcharge with marginal relief, and the Section 87A rebate. It does not cover variable pay, perquisites or capital gains. Check your final tax with a qualified advisor.