8 LPA: Old vs New Tax Regime Comparison
Comprehensive side-by-side analysis of a ₹8 Lakh salary package. See exact income tax, monthly take-home pay, and the minimum deduction threshold required to switch regimes.
New Tax Regime is the clear winner for 8 LPA
Under default conditions with standard deduction, the New Tax Regime gives you ₹56,863/month vs ₹53,486/month in Old Regime. You save ₹40,531/year in direct taxes.
Total 80C + 80D + HRA needed in Old Regime to beat New Regime
New Tax Regime
FY 2026-27 Slabs (₹75k Standard Deduction)
Old Tax Regime
Allows 80C, 80D, HRA & Home Loan deductions
Scenario Analysis: Old vs New Regime at 8 LPA
See how varying investment and rent deduction levels change your tax liability.
| Scenario | Old Regime Tax | New Regime Tax | Old Monthly In-Hand | New Monthly In-Hand | Best Regime |
|---|---|---|---|---|---|
| Zero Deductions (Default) | ₹40,531 | ₹0 | ₹53,486 | ₹56,863 | New Regime |
| ₹1.5 Lakh 80C Claimed | ₹20,000 | ₹0 | ₹55,197 | ₹56,863 | New Regime |
| Full Deductions (80C + 80D + HRA) | ₹0 | ₹0 | ₹56,863 | ₹56,863 | New Regime |
Frequently Asked Questions: 8 LPA Tax Regime
Is New Tax Regime better than Old Tax Regime for 8 LPA salary in FY 2026-27?
Yes. For a 8 LPA package with zero investments, the New Tax Regime provides higher take-home pay of ₹56,863/month compared to ₹53,486/month under the Old Regime, saving ₹40,531 in annual taxes.
What is the breakeven deduction needed at 8 LPA for Old Regime to save more tax?
At 8 LPA, you need total tax-saving deductions of at least ₹3,00,000 (across Section 80C ₹1.5L, Section 80D ₹25k-₹50k, HRA rent exemption, and home loan interest) for the Old Regime to result in lower tax than the New Regime.
What is the standard deduction for 8 LPA under both regimes?
For FY 2026-27, salaried employees receive a flat Standard Deduction of ₹75,000 under the New Tax Regime, whereas the Old Tax Regime offers a Standard Deduction of ₹50,000.
What is the monthly in-hand salary for 8 LPA under New vs Old Regime?
Under the New Tax Regime, your estimated monthly in-hand salary is ₹56,863. Under the Old Regime without deductions, it is ₹53,486/month, and with full standard deductions it is ₹56,863/month.
View complete monthly components, PF, and deductions.
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