No old-regime deductions
New regimeNew-regime tax is ₹4,75,800.
Tax exampleVerified for FY 2026-27
Old vs New Regime for 30 Lakh Salary
Compare old and new income-tax regimes for 30 lakh salary in FY 2026-27 with standard deduction, 80C, 80D and NPS assumptions.
Recommended regimeNew regime
Customise deductions and income Estimated tax is ₹4,75,800 under the recommended regime, saving ₹1,79,400 versus the alternative.
Monthly breakdown
- Gross monthly income
- ₹2,50,000
- Recommended monthly tax
- ₹39,650
- New-regime tax
- ₹4,75,800
- Old-regime tax
- ₹6,55,200
Annual breakdown
- Gross salary
- ₹30,00,000
- Recommended tax
- ₹4,75,800
- Estimated take-home after tax
- ₹25,24,200
- Effective tax rate
- 15.9%
Alternative scenarios
Add 2 lakh home-loan interest
New regimeRecommended tax becomes ₹4,75,800.
Add 2.4 lakh HRA exemption
New regimeRecommended tax becomes ₹4,75,800.
Assumptions
- FY 2026-27 slabs, salaried taxpayer and standard deduction included.
- Old-regime base case includes 1.5 lakh 80C, 25k 80D and 50k NPS 80CCD(1B).
- Capital gains, surcharge special cases and employer NPS are excluded from this example.
Official sources
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