Quick answer: under SalaryExit’s default scenario for this page (new regime, state PT placeholder, PF derived from an assumed Basic+DA split), estimated monthly in-hand is roughly ₹1,35,425 before any additional payroll items not modeled here.
Eighteen LPA is where tax progression becomes more visible in annual terms. The engine applies configured slabs and a simplified rebate model — use the tax regime calculator if old-regime deductions could change your story.
How SalaryExit calculates estimates (methodology, FY scope, and limits).
₹18 LPA is the band where recruiters still say “good package,” but your bank app might disagree until you see rent. The table above is only tax mechanics — it does not judge whether you can afford a city. Most people at this gross are one rent decision away from either comfortable savings or constant anxiety.
This page assumes a clean salaried story (gross in, PF out, TDS spread). Real life adds joining bonuses, stock, medical, parents, or a partner with no income. If any of that is you, treat the in-hand line as a starting point, not a verdict.
If your real question is “Can I live well on this in Bangalore / Mumbai / Pune?”, open a city scenario next — same engine, but with rent and lifestyle in the same picture.
| Line | Monthly |
|---|---|
| Gross | ₹1,50,000 |
| Employee PF (estimate) | ₹1,800 |
| Professional tax (placeholder) | ₹208.33 |
| TDS spread (estimate) | ₹12,566.67 |
| Estimated in-hand | ₹1,35,425 |
Where your monthly gross goes (same numbers as the table)
Annual tax + cess (engine estimate): ₹1,50,800.
Band-specific context (not duplicated on other LPA pages). Still illustrative — tune the calculators for your payslip.
Engine warnings: In-hand is an estimate: actual TDS may differ due to proofs, perquisites, arrears, and surcharges. The monthly TDS line is annual tax ÷ 12 for planning — not a payslip TDS schedule.
This band page is gross → in-hand only. To stress-test rent, commute, and lifestyle spend in a real city scenario, use the tools below — same engines, different question.
Compare similar LPA pages (same engine assumptions across bands).
Picked by band so similar LPA pages don’t all push the exact same reading order.
Mid-band offers need a household + rent checklist, not just LPA envy.
Deductions can flip which regime wins — don’t assume from this page’s new-regime default.
Editorial note. SalaryExit publishes educational estimates with stated assumptions — not tax filing advice, legal opinions, or employer-certified payroll. Read the methodology and disclaimer. FY 2025–26 (AY 2026–27) tax slabs in engine. Site content last reviewed: March 2026. Calculator tax math was last aligned to Union Budget 2025 — new regime slabs & Section 87A (≤₹12L taxable); cess 4%. Surcharge and marginal relief are not modeled — validate Form 16 and CBDT circulars for filing.
Not always. CTC may include employer contributions and non-cash costs. This page interprets the band as annual gross salary for the illustrated scenario unless you change inputs in the calculator.
Payslips reflect actual TDS smoothing, proofs, perquisites, bonuses, and employer-specific PF definitions. This page shows a single transparent scenario using the centralized engine.
This illustration uses the new regime for a common baseline. Compare regimes explicitly using the tax regime calculator and validate with a qualified professional for filing.