On a ₹25 lakh salary, your income tax for FY 2026-27 is ₹3,19,800 in the new regime, including 4% cess. That is about ₹26,650 a month.
New regime: ₹25 lakh minus the ₹75,000 standard deduction gives taxable income of ₹24,25,000. Slab tax is ₹3,07,500, and 4% cess adds ₹12,300.
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹24,25,000 | ₹22,50,000 |
| Tax on slabs | ₹3,07,500 | ₹4,87,500 |
| Rebate (87A) | −₹0 | −₹0 |
| Surcharge | ₹0 | ₹0 |
| Cess (4%) | ₹12,300 | ₹19,500 |
| Total tax | ₹3,19,800 | ₹5,07,000 |
| Old-regime deductions (80C, 80D, HRA…) | Old regime tax | New regime tax | Better |
|---|---|---|---|
| None | ₹5,69,400 | ₹3,19,800 | New |
| ₹1,50,000 | ₹5,22,600 | ₹3,19,800 | New |
| ₹3,00,000 | ₹4,75,800 | ₹3,19,800 | New |
| ₹4,50,000 | ₹4,29,000 | ₹3,19,800 | New |
The old regime only wins if your deductions are large. Most salaried people pay less in the new regime.
Rates used: October–December 2026 where a government rate applies. Results are estimates.