₹30 LPA in-hand salary: your real monthly take-home
₹30 LPA is senior-IC or manager territory. You're firmly in the top 30% slab, but still below the ₹50 lakh surcharge threshold — so no surcharge applies yet. The new regime wins clearly, giving about ₹2,02,975 a month.
At ₹30 LPA the new regime puts about ₹12,350 more in hand each month. You're in the 30% slab but still below the ₹50 lakh surcharge line.
- New regime · monthly in-hand
- ₹2,02,975
- Old regime · monthly in-hand
- ₹1,90,625
- New regime · income tax + cess
- ₹4,46,550
- Old regime · income tax + cess
- ₹5,94,750
₹30 LPA: top slab, but no surcharge yet
A common worry at this level is surcharge — the extra levy on high incomes. Good news: it only starts once your taxable income crosses ₹50 lakh, and a ₹30 lakh CTC is well under that. So you're paying the 30% marginal rate on the top of your income, but nothing extra on top of the tax itself.
Under the new regime your annual tax is about ₹4,46,550, versus roughly ₹5,94,750 on the old regime with full deductions — a monthly difference of about ₹12,350 in the new regime's favour. The old regime would need more than about ₹8,00,000 in deductions to catch up, which is a stretch even with a home loan.
Try it with your exact numbers
Pre-filled for a ₹30 LPA CTC in a metro city with ₹25,000/mo rent. Change anything to match your own package.
Helps old-regime HRA exemption
New regime puts ₹12,350 more in your pocket every month.
Salary breakup · per year
₹93,750 of your CTC is employer contributions & benefits — real value, but never a monthly bank credit.
Old vs New, side by side
| Metric | Old | New |
|---|---|---|
| Taxable income | ₹25,31,250 | ₹28,31,250 |
| Income tax + cess | ₹5,94,750 | ₹4,46,550 |
| Annual in-hand | ₹22,87,500 | ₹24,35,700 |
| Monthly in-hand | ₹1,90,625 | ₹2,02,975 |
How we calculate this
- Basic = 50% of CTC; HRA = 50% of Basic; PF capped at ₹1,800/mo (statutory ceiling); Gratuity = 4.81% of Basic. Change these under “Match your offer letter”.
- Employee PF (₹1,800/mo) is deducted from your salary.
- New regime: ₹75,000 standard deduction, FY 2026-27 slabs, no other exemptions.
- Old-regime estimate assumes full ₹1.5L under 80C, ₹25K under 80D, plus HRA exemption from the rent you entered. Flexible-benefit / reimbursement exemptions (RFB, LTA, food, telephone) aren’t counted unless you add them under “Match your offer letter”.
- 4% health & education cess and ₹200/month professional tax applied.
Tax rules: Budget 2026 retained FY 2025-26 slabs unchanged. Verified against Income Tax Dept (incometax.gov.in) & ClearTax, July 2026. Updated 2026-07-02.
Estimates only — not tax or financial advice. Your actual pay depends on your company’s exact salary structure and your declared investments. Verify with a professional before deciding.
Frequently asked questions
Is 30 LPA a good salary in India?
- ₹30 LPA is a high salary in India — senior IC, manager or specialist level. Your in-hand is about ₹2,02,975 a month under the new regime on standard assumptions.
How much tax do I pay on 30 LPA?
- About ₹4,46,550 a year under the new regime. There's no surcharge at this level — surcharge only begins above ₹50 lakh taxable income.
Does surcharge apply at 30 LPA?
- No. Surcharge starts once taxable income exceeds ₹50 lakh, and a ₹30 lakh CTC stays well below that. You pay the 30% top slab rate plus 4% cess, but no surcharge.
Is old or new regime better at 30 LPA?
- The new regime, by about ₹12,350 a month. The old regime would need more than about ₹8,00,000 in deductions to win — hard to reach even with HRA and a home loan.
Other salaries and tools
Estimates only — not tax or financial advice. Your actual pay depends on your company’s exact salary structure and your declared investments. Tax rules: Budget 2026 retained FY 2025-26 slabs unchanged. Verified against Income Tax Dept (incometax.gov.in) & ClearTax, July 2026.