Income Tax on ₹8 Lakh Salary — FY 2026-27 (Old vs New Regime)
At ₹8 Lakh with no deductions, the new regime saves ₹65,000 per year. The old regime only wins if your deductions exceed ₹2,50,100.
| Item | New Regime | Old Regime |
|---|---|---|
| Gross Income | ₹8,00,000 | ₹8,00,000 |
| Standard Deduction | ₹75,000 | ₹50,000 |
| Taxable Income | ₹7,25,000 | ₹7,50,000 |
| Cess (4%) | ₹0 | ₹2,500 |
| Total Tax | ₹0 | ₹65,000 |
| Effective Tax Rate | 0.00% | 8.13% |
| Monthly Take-Home | ₹66,667 | ₹61,250 |
New Regime — Slab-wise Tax
| Slab | Rate | Tax |
|---|---|---|
| ₹0 to ₹400,000 | 0% | ₹0 |
| ₹400,000 to ₹800,000 | 5% | ₹16,250 |
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% | ₹50,000 |
Break-Even Deduction
You'd need to claim at least ₹2,50,100 in total deductions (80C, 80D, home loan interest, HRA, NPS combined) under the old regime before it matches the new regime's ₹0 tax bill.
At ₹8 Lakh, neither regime is an automatic win — it comes down to how much you're actually claiming in deductions. The new regime's ₹75,000 standard deduction and wider slabs make it the default-best choice for anyone without significant 80C, 80D, or home loan interest claims.
The old regime allows you to stack deductions — up to ₹1.5 lakh under 80C, ₹25,000–₹1 lakh under 80D depending on age, home loan interest, NPS contributions — and at this income level those can add up to a meaningful offset. The break-even figure below tells you the exact deduction total needed before the old regime becomes cheaper.
If you're salaried with employer-provided HRA and a home loan, it's worth checking both regimes every year — a raise, a paid-off loan, or a lapsed insurance policy can shift which one wins.
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 ₹8 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.