Tax Slab Optimization (FY 2026-27)
Old vs New Tax Regime Comparison Guides
Compare side-by-side tax liability and monthly take-home salary across standard Indian CTC brackets. Find the exact breakeven deduction threshold where Old Regime beats New Regime.
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5 LPASaves ₹0
New Regime Monthly:₹35,465
Old Regime Monthly:₹35,465
Breakeven Deductions:₹0
View Full 5 LPA Comparison →
6 LPASaves ₹0
New Regime Monthly:₹42,598
Old Regime Monthly:₹42,598
Breakeven Deductions:₹1,00,000
View Full 6 LPA Comparison →
7 LPASaves ₹22,727
New Regime Monthly:₹49,730
Old Regime Monthly:₹47,837
Breakeven Deductions:₹2,00,000
View Full 7 LPA Comparison →
7.5 LPASaves ₹31,629
New Regime Monthly:₹53,297
Old Regime Monthly:₹50,661
Breakeven Deductions:₹2,50,000
View Full 7.5 LPA Comparison →
8 LPASaves ₹40,531
New Regime Monthly:₹56,863
Old Regime Monthly:₹53,486
Breakeven Deductions:₹3,00,000
View Full 8 LPA Comparison →
9 LPASaves ₹58,335
New Regime Monthly:₹63,996
Old Regime Monthly:₹59,135
Breakeven Deductions:₹4,00,000
View Full 9 LPA Comparison →
10 LPASaves ₹76,138
New Regime Monthly:₹71,129
Old Regime Monthly:₹64,784
Breakeven Deductions:₹5,00,000
View Full 10 LPA Comparison →
11 LPASaves ₹93,942
New Regime Monthly:₹78,262
Old Regime Monthly:₹70,434
Breakeven Deductions:₹6,00,000
View Full 11 LPA Comparison →
12 LPASaves ₹1,11,746
New Regime Monthly:₹85,395
Old Regime Monthly:₹76,083
Breakeven Deductions:₹7,00,000
View Full 12 LPA Comparison →
12.75 LPASaves ₹1,29,148
New Regime Monthly:₹90,745
Old Regime Monthly:₹79,982
Breakeven Deductions:₹7,75,000
View Full 12.75 LPA Comparison →
13 LPASaves ₹1,35,825
New Regime Monthly:₹92,528
Old Regime Monthly:₹81,209
Breakeven Deductions:₹13,00,000
View Full 13 LPA Comparison →
14 LPASaves ₹98,987
New Regime Monthly:₹94,366
Old Regime Monthly:₹86,117
Breakeven Deductions:₹5,56,933
View Full 14 LPA Comparison →
15 LPASaves ₹1,11,404
New Regime Monthly:₹1,00,308
Old Regime Monthly:₹91,024
Breakeven Deductions:₹5,84,831
View Full 15 LPA Comparison →
16 LPASaves ₹1,23,820
New Regime Monthly:₹1,06,250
Old Regime Monthly:₹95,932
Breakeven Deductions:₹6,12,729
View Full 16 LPA Comparison →
17 LPASaves ₹1,36,237
New Regime Monthly:₹1,12,192
Old Regime Monthly:₹1,00,839
Breakeven Deductions:₹6,40,627
View Full 17 LPA Comparison →
18 LPASaves ₹1,48,654
New Regime Monthly:₹1,18,134
Old Regime Monthly:₹1,05,746
Breakeven Deductions:₹6,74,453
View Full 18 LPA Comparison →
20 LPASaves ₹1,65,329
New Regime Monthly:₹1,29,339
Old Regime Monthly:₹1,15,561
Breakeven Deductions:₹7,49,900
View Full 20 LPA Comparison →
22 LPASaves ₹1,80,636
New Regime Monthly:₹1,40,429
Old Regime Monthly:₹1,25,376
Breakeven Deductions:₹20,00,000
View Full 22 LPA Comparison →
24 LPASaves ₹1,89,534
New Regime Monthly:₹1,50,986
Old Regime Monthly:₹1,35,191
Breakeven Deductions:₹20,00,000
View Full 24 LPA Comparison →
25 LPASaves ₹1,92,424
New Regime Monthly:₹1,56,134
Old Regime Monthly:₹1,40,099
Breakeven Deductions:₹8,91,743
View Full 25 LPA Comparison →
28 LPASaves ₹2,02,051
New Regime Monthly:₹1,71,191
Old Regime Monthly:₹1,54,353
Breakeven Deductions:₹9,37,599
View Full 28 LPA Comparison →
30 LPASaves ₹2,02,051
New Regime Monthly:₹1,80,693
Old Regime Monthly:₹1,63,856
Breakeven Deductions:₹9,47,600
View Full 30 LPA Comparison →
35 LPASaves ₹2,02,052
New Regime Monthly:₹2,04,451
Old Regime Monthly:₹1,87,613
Breakeven Deductions:₹9,72,600
View Full 35 LPA Comparison →
40 LPASaves ₹2,02,051
New Regime Monthly:₹2,28,208
Old Regime Monthly:₹2,11,370
Breakeven Deductions:₹9,97,598
View Full 40 LPA Comparison →
45 LPASaves ₹2,02,051
New Regime Monthly:₹2,51,965
Old Regime Monthly:₹2,35,128
Breakeven Deductions:₹10,22,598
View Full 45 LPA Comparison →
50 LPASaves ₹2,02,051
New Regime Monthly:₹2,75,722
Old Regime Monthly:₹2,58,885
Breakeven Deductions:₹10,47,599
View Full 50 LPA Comparison →
60 LPASaves ₹2,22,257
New Regime Monthly:₹3,12,783
Old Regime Monthly:₹2,94,262
Breakeven Deductions:₹7,28,969
View Full 60 LPA Comparison →
75 LPASaves ₹2,22,257
New Regime Monthly:₹3,80,483
Old Regime Monthly:₹3,61,961
Breakeven Deductions:₹11,72,600
View Full 75 LPA Comparison →
100 LPASaves ₹2,22,257
New Regime Monthly:₹4,93,315
Old Regime Monthly:₹4,74,794
Breakeven Deductions:₹12,97,600
View Full 100 LPA Comparison →
How to Choose Between Old and New Tax Regime
Under Budget FY 2026-27, the New Tax Regime is the default regime with a higher standard deduction of ₹75,000 and zero tax for taxable income up to ₹12 Lakh. However, individuals with high rent in metro cities (HRA exemption), home loan interest (Section 24b up to ₹2 Lakh), Section 80C (₹1.5 Lakh), and health insurance (Section 80D) may benefit from the Old Regime if total eligible deductions exceed the calculated breakeven threshold.
Use Custom Tax Regime Calculator →