Is ₹15L a Good Salary in Chandigarh?
What you actually take home, what rent typically eats, and what's left to spend, save or invest.
What you actually take home
CTC is not income. This is what's left after income tax under FY 2025-26 slabs, using whichever regime (new) is cheaper at this income.
Monthly take-home
₹1,16,875
post-tax, in hand
Annual income tax
₹97,500
6.5% effective rate
Better regime
New
for this income, standard deduction only
After rent in Chandigarh
⚠ Illustrative assumption, not a quote: rent eating roughly 15% of take-home for a single tech professional in Chandigarh (a lower-cost city). Replace it with your real rent — the math below updates the same way either way.
Illustrative rent
₹17,531/mo
Left over to spend, save or invest
₹99,344/mo
Same ₹15L, a different city
The same salary in Bangalore leaves about ₹17,532/month less discretionary income, on the same illustrative rent assumption.
Discretionary income is where impulse spending actually happens — the part of your take-home that isn't already committed to rent. PaisaProof watches that part in real time so a ₹499 Blinkit order doesn't quietly become a monthly habit.
Frequently Asked
Is ₹15 LPA a good salary in Chandigarh?
At ₹15 LPA, take-home works out to about ₹1,16,875/month after tax. After an illustrative rent of ₹17,531/month (roughly 15% of take-home in Chandigarh), that leaves about ₹99,344/month — whether that's "good" depends on your actual rent, lifestyle and savings goals.
How much tax do I pay on ₹15 LPA?
About ₹97,500 a year (6.5% effective rate) under the new regime, assuming only the standard deduction. Claiming 80C/80D/HRA deductions can shift which regime is cheaper.
Where does the rent percentage come from?
It's an illustrative default based on Chandigarh's general cost tier, not a quote from a rent index — replace it with your actual rent for a real number.