Income Tax on ₹30 Lakh Salary — FY 2026-27 (Old vs New Regime)
At ₹30 Lakh with no deductions, the new regime saves ₹2,49,600 per year. The old regime only wins if your deductions exceed ₹8,00,100.
| Item | New Regime | Old Regime |
|---|---|---|
| Gross Income | ₹30,00,000 | ₹30,00,000 |
| Standard Deduction | ₹75,000 | ₹50,000 |
| Taxable Income | ₹29,25,000 | ₹29,50,000 |
| Cess (4%) | ₹18,300 | ₹27,900 |
| Total Tax | ₹4,75,800 | ₹7,25,400 |
| Effective Tax Rate | 15.86% | 24.18% |
| Monthly Take-Home | ₹2,10,350 | ₹1,89,550 |
New Regime — Slab-wise Tax
| Slab | Rate | Tax |
|---|---|---|
| ₹0 to ₹400,000 | 0% | ₹0 |
| ₹400,000 to ₹800,000 | 5% | ₹20,000 |
| ₹800,000 to ₹1,200,000 | 10% | ₹40,000 |
| ₹1,200,000 to ₹1,600,000 | 15% | ₹60,000 |
| ₹1,600,000 to ₹2,000,000 | 20% | ₹80,000 |
| ₹2,000,000 to ₹2,400,000 | 25% | ₹1,00,000 |
| ₹2,400,000 to ₹above | 30% | ₹1,57,500 |
Old Regime — Slab-wise Tax
| Slab | Rate | Tax |
|---|---|---|
| ₹0 to ₹250,000 | 0% | ₹0 |
| ₹250,000 to ₹500,000 | 5% | ₹12,500 |
| ₹500,000 to ₹1,000,000 | 20% | ₹1,00,000 |
| ₹1,000,000 to ₹above | 30% | ₹5,85,000 |
Break-Even Deduction
You'd need to claim at least ₹8,00,100 in total deductions (80C, 80D, home loan interest, HRA, NPS combined) under the old regime before it matches the new regime's ₹4,75,800 tax bill.
At ₹30 Lakh, the gap between regimes tends to widen — the new regime's flatter, lower-rate slab structure keeps working in your favour, but the old regime's deduction ceilings (₹1.5 lakh under 80C, capped home loan interest, capped NPS) mean it's harder to close that gap purely through deductions the higher your income climbs.
No surcharge applies at this income level under either regime — that only kicks in above ₹50 lakh of taxable income. Below that threshold, the comparison is purely about slab rates and how much you can legitimately deduct.
If you have a large home loan, significant 80C investments, and high medical insurance premiums, run the numbers below — but expect the required deduction total to be substantial before the old regime beats the new one at this income.
Run Your Exact Numbers
This scenario assumes only salary income and no deductions. Use the full calculator to add your actual deductions, other income, and see the precise comparison.
Open Calculator, Pre-filled at ₹30 LakhNeed FY 2025-26 or FY 2024-25 figures instead? Select the tax year in the calculator above.
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These figures are estimates for informational purposes only and are not tax or financial advice. Verify your actual liability with the Income Tax Department or a qualified tax professional before filing.