Exact take-home from a ₹70 LPA package after all statutory deductions. FY2026-27, new tax regime.
Monthly in-hand salary
₹4,12,922
After PF · TDS · Professional tax · New regime · FY2026-27
Monthly gross: ₹5,67,504 · Annual CTC: ₹70,00,000
Basic salary
₹2,91,667
50% of CTC · monthly
HRA
₹1,45,834
50% of basic · monthly
Employee PF
−₹1,800
12% of basic (max ₹1,800)
Income tax (TDS)
−₹1,52,582
New regime · 26.9% effective
Complete monthly breakdown — ₹70 LPA
Component
Monthly
Annual
Basic salary
₹2,91,667
₹35,00,004
HRA
₹1,45,834
₹17,50,008
Special allowance
₹1,30,003
₹15,60,036
Gross monthly salary
₹5,67,504
₹68,10,048
− Employee PF
−₹1,800
−₹21,600
− Income tax (TDS)
−₹1,52,582
−₹18,30,990
− Professional tax
−₹200
−₹2,400
✓ Monthly in-hand
₹4,12,922
₹49,55,064
Key Notes for ₹70 LPA CTC
Salary structure assumed: 50% basic, 50% HRA of basic. Your actual structure may differ.
Tax is under the new regime FY2026-27 with ₹75,000 standard deduction and 4% cess. Effective tax rate: 26.9%.
PF is capped at ₹15,000 wage ceiling — so maximum employee PF is ₹1,800/month regardless of basic.
If you pay rent and declare HRA exemption, TDS reduces further. Use the Tax Regime Picker to compare.
Variable pay and annual bonuses are not included — they are taxed when paid.
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This page uses a standard salary structure. Your actual in-hand depends on your employer's PF policy, whether gratuity is in CTC, city, HRA rent declaration and which tax regime you choose.
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