A Cloud Architect (AWS / Azure / GCP) earning the median salary of ₹20.2L in India takes home approximately ₹18,26,608/year (₹1,52,217/month) after Income Tax (New Regime) and 4% health & education cess, using FY 2026-27 rates.
Cloud Architect (AWS / Azure / GCP) take-home pay across the salary range
New Regime, no EPF/gratuity/professional tax modeled. FY 2026-27 rates.
Entry (P25)
₹19,58,000
gross/year
Take-home
₹17,74,336
₹1,47,861/month
Total tax
₹1,83,664
9.4% effective rate
Breakdown
Income Tax (New Regime) and 4% health & education cess
Median
₹20,24,000
gross/year
Take-home
₹18,26,608
₹1,52,217/month
Total tax
₹1,97,392
9.8% effective rate
Breakdown
Income Tax (New Regime) and 4% health & education cess
Senior (P75)
₹21,12,000
gross/year
Take-home
₹18,94,380
₹1,57,865/month
Total tax
₹2,17,620
10.3% effective rate
Breakdown
Income Tax (New Regime) and 4% health & education cess
Adjust for your actual salary
The table above uses the Cloud Architect (AWS / Azure / GCP) median. Enter your own gross salary below for a precise figure.
National income tax only. India has no state income tax on salaries. EPF and professional tax are separate payslip deductions this calculator doesn't model. See the CTC vs in-hand guide linked below.
₹20,24,000 a year, or ₹20.2L per year.
Tax regime
Common salaries:
Annual take-home pay (New Regime)
₹18,26,608
Per month
₹1,52,217
Per week
₹35,127
Effective tax rate
9.8%
New Regime vs Old Regime on ₹20,24,000
New Regime
₹18,26,608
Effective rate: 9.8%
Old Regime (Rs 0 deductions)
₹16,03,112
Effective rate: 20.8%
The New Regime is worth ₹2,23,496/year more take-home on this salary, at these deduction levels.
How your ₹20,24,000 is split
₹18,26,608
90.2%
₹1,89,800
9.4%
₹0
0.0%
₹7,592
0.4%
| Gross salary | ₹20,24,000 |
| Standard deduction | -₹75,000 |
| Taxable income | ₹19,49,000 |
| Income Tax (after Section 87A rebate) | -₹1,89,800 |
| Surcharge | ₹-0 |
| Health & Education Cess (4%) | -₹7,592 |
| Total deductions | -₹1,97,392 |
| Net take-home (annual) | ₹18,26,608 |
Calculations use FY 2026-27 Income Tax Department slabs, standard deduction, Section 87A rebate (with statutory marginal relief), surcharge, and 4% Health & Education Cess. National income tax only. India has no state income tax on salaries. Old Regime deductions default to Rs 0; enter your real Section 80C/80D/HRA exemption claims to compare accurately. Excludes EPF, professional tax, and other payslip deductions that reduce in-hand pay but aren't income tax (see the CTC vs in-hand guide). Assumes a taxpayer under 60. Senior and super-senior citizen slabs differ and aren't modeled. For precise figures, consult the Income Tax Department or a chartered accountant.
A Cloud Architect (AWS / Azure / GCP) earning the median salary of ₹20.2L in India takes home approximately ₹18,26,608 per year (₹1,52,217 per month) after Income Tax (New Regime) and 4% health & education cess, using FY 2026-27 rates.
On a median Cloud Architect (AWS / Azure / GCP) salary of ₹20.2L, the effective deduction rate (Income Tax (New Regime) and 4% health & education cess) is 9.8%, leaving ₹18,26,608 as take-home pay.
A senior Cloud Architect (AWS / Azure / GCP) earning ₹21.1L (P75 of the salary range) takes home approximately ₹18,94,380 per year (₹1,57,865 per month) after Income Tax (New Regime) and 4% health & education cess, with an effective rate of 10.3%.
A junior Cloud Architect (AWS / Azure / GCP) earning ₹19.6L (P25 of the salary range) takes home approximately ₹17,74,336 per year (₹1,47,861 per month) after Income Tax (New Regime) and 4% health & education cess, with an effective rate of 9.4%.
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