On a ₹30 lakh salary, your income tax for FY 2026-27 is ₹4,75,800 in the new regime, including 4% cess. That is about ₹39,650 a month.
New regime: ₹30 lakh minus the ₹75,000 standard deduction gives taxable income of ₹29,25,000. Slab tax is ₹4,57,500, and 4% cess adds ₹18,300.
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹29,25,000 | ₹27,50,000 |
| Tax on slabs | ₹4,57,500 | ₹6,37,500 |
| Rebate (87A) | −₹0 | −₹0 |
| Surcharge | ₹0 | ₹0 |
| Cess (4%) | ₹18,300 | ₹25,500 |
| Total tax | ₹4,75,800 | ₹6,63,000 |
| Old-regime deductions (80C, 80D, HRA…) | Old regime tax | New regime tax | Better |
|---|---|---|---|
| None | ₹7,25,400 | ₹4,75,800 | New |
| ₹1,50,000 | ₹6,78,600 | ₹4,75,800 | New |
| ₹3,00,000 | ₹6,31,800 | ₹4,75,800 | New |
| ₹4,50,000 | ₹5,85,000 | ₹4,75,800 | 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.