FY 2026-27 · New regime

LPA calculator: monthly salary to LPA and back

Convert a monthly salary to LPA, or a package to its monthly figure. Say whether your monthly number is in-hand or CTC, and see the package it really takes.

Convert

Monthly salary (₹)

You can type 20000, 20k or 1.5L

This monthly figure is

In-hand is what reaches your bank account. Monthly CTC is your annual package divided by 12.

CTC needed for this in-hand

2.81 LPA

About ₹2,81,000 a year. ₹20,000 × 12 is 2.4 LPA, but that is what you take home over a year, not your CTC: employer PF, gratuity and your own PF sit inside CTC and are never paid as salary.

Monthly CTC

₹23,417

In-hand at that CTC

₹20,044

In-hand figures assume the new tax regime for FY 2026-27, basic at half of CTC, PF on the ₹15,000 wage ceiling and gratuity inside CTC, before professional tax. For your state, regime and HRA, use the take-home salary calculator.

How to convert monthly salary to LPA

One multiplication, as long as you know which monthly figure you have.

If it is monthly CTC

Multiply by 12 and divide by 1,00,000. ₹25,000 a month is ₹3,00,000 a year, which is 3 LPA.

If it is in-hand

Multiplying by 12 gives what you take home in a year, not your package. Employer PF, gratuity and your own PF come out of CTC first, so the package is higher.

Going the other way

Divide the package by 12 for monthly CTC. In-hand is lower again once PF, tax and professional tax are taken out.

Monthly salary in LPA, common amounts

The package each monthly figure means, depending on whether it is CTC or in-hand.

Monthly salary	LPA if it is CTC	CTC if it is in-hand
₹10k a month	1.2 LPA	1.41 LPA
₹12k a month	1.44 LPA	1.69 LPA
₹15k a month	1.8 LPA	2.11 LPA
₹18k a month	2.16 LPA	2.53 LPA
₹20k a month	2.4 LPA	2.81 LPA
₹22k a month	2.64 LPA	3.09 LPA
₹25k a month	3 LPA	3.51 LPA
₹30k a month	3.6 LPA	4.14 LPA
₹35k a month	4.2 LPA	4.75 LPA
₹40k a month	4.8 LPA	5.37 LPA
₹45k a month	5.4 LPA	5.98 LPA
₹50k a month	6 LPA	6.6 LPA
₹60k a month	7.2 LPA	7.83 LPA
₹75k a month	9 LPA	9.67 LPA
₹1L a month	12 LPA	12.74 LPA
₹1.5L a month	18 LPA	20.9 LPA
₹2L a month	24 LPA	29.44 LPA

LPA in monthly salary

Monthly CTC and the estimated in-hand for common packages.

Package	Monthly CTC	Estimated monthly in-hand
3 LPA	₹25,000	₹21,399
4 LPA	₹33,333	₹28,932
5 LPA	₹41,667	₹37,065
6 LPA	₹50,000	₹45,198
7 LPA	₹58,333	₹53,330
8 LPA	₹66,667	₹61,463
10 LPA	₹83,333	₹77,729
12 LPA	₹1,00,000	₹93,995
15 LPA	₹1,25,000	₹1,11,019
18 LPA	₹1,50,000	₹1,31,351
20 LPA	₹1,66,667	₹1,44,233
25 LPA	₹2,08,333	₹1,74,952
30 LPA	₹2,50,000	₹2,03,175
40 LPA	₹3,33,333	₹2,59,130
50 LPA	₹4,16,667	₹3,15,084

In-hand figures: new regime FY 2026-27, basic at half of CTC, PF on the ₹15,000 wage ceiling, gratuity inside CTC, no professional tax. Sources: Income Tax Department; the Labour Ministry's statement on PF and take-home under the labour codes, reported by Outlook Money.

Questions

Frequently asked questions

Monthly salary, LPA, CTC and in-hand.

How much is 20k per month in LPA?

If ₹20,000 is your monthly CTC, it is 2.4 LPA (₹20,000 × 12 = ₹2,40,000 a year). If ₹20,000 is what reaches your bank account each month, the CTC behind it is about 2.81 LPA, because employer PF, gratuity and your own PF contribution are part of CTC but never paid to you as salary.

How do I convert monthly salary to LPA?

Multiply the monthly figure by 12 and divide by 1,00,000. ₹25,000 a month is ₹3,00,000 a year, which is 3 LPA. This is only right when the monthly figure is CTC. If it is your in-hand salary, use the in-hand option in the calculator, which works back to the CTC.

How much is 40 LPA per month?

40 LPA is ₹3,33,333 a month of CTC. Under the new tax regime for FY 2026-27, with basic at half of CTC and PF on the ₹15,000 wage ceiling, the in-hand comes to about ₹2,59,130 a month, before professional tax.

Is LPA the same as CTC?

In Indian offer letters, LPA (lakhs per annum) almost always quotes annual CTC, the total cost to the company. That includes employer PF, gratuity and any variable pay, so your monthly in-hand is always less than LPA ÷ 12.

Why is my in-hand salary less than CTC divided by 12?

Four things come out of CTC before you are paid: the employer's PF contribution and gratuity (both part of CTC but not paid monthly), your own PF contribution, income tax and professional tax. At 10 LPA under the new regime there is no income tax, and the in-hand is still only about ₹77,729 a month against ₹83,333 of monthly CTC.

Do the new labour codes reduce take-home pay?

The labour codes notified on 21 November 2025 require wages (basic and DA) to be at least half of total pay. The Labour Ministry has said this does not reduce take-home pay when PF is deducted on the ₹15,000 statutory wage ceiling, which is what this calculator assumes. Take-home can fall if your employer deducts PF on the full basic, or if gratuity is counted inside CTC on a higher wage base.

Related calculators

Take-home salary calculator

Monthly in-hand from CTC with your state, regime and HRA.

CTC to in-hand calculator

Full CTC breakdown: basic, HRA, PF, gratuity and tax.

Salary hike calculator

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