Income Tax on a ₹10 Lakh Salary (FY 2025-26)
Updated for FY 2025-26 (AY 2026-27) · figures computed live by our calculator
On a salary of ₹10 lakh in FY 2025-26 (AY 2026-27), your income tax under the New regime is ₹0 — the Section 87A rebate wipes it out. The Old regime can't beat zero (you'd pay ₹1,06,600 under it with only the standard deduction), so the New regime is the clear choice.
₹10 lakh salary — tax at a glance
| Particulars | Amount |
|---|---|
| Gross salary | ₹10,00,000 |
| Tax — New regime (incl. cess) | ₹0 |
| Tax — Old regime, standard deduction only | ₹1,06,600 |
| Recommended regime | New (saves ₹1,06,600) |
| Break-even deduction | — (New is ₹0, unbeatable) |
| Monthly in-hand (New regime) | ₹83,333 |
How the tax is calculated (New regime)
Taxable income after the ₹75,000 standard deduction = ₹9,25,000. It falls into these slabs:
| Slab · rate | Tax |
|---|---|
| Up to ₹4,00,000 · 0% | ₹0 |
| ₹4,00,000 – ₹8,00,000 · 5% | ₹20,000 |
| ₹8,00,000 – ₹9,25,000 · 10% | ₹12,500 |
| Tax on slabs | ₹32,500 |
| Rebate u/s 87A | − ₹32,500 |
| Health & Education cess (4%) | ₹0 |
| Total tax (New regime) | ₹0 |
Should you pick the Old or New regime at ₹10 lakh?
Because taxable income after the ₹75,000 standard deduction stays within the ₹12 lakh rebate limit, the new regime brings tax to zero. See how the ₹12 lakh zero-tax band works.
Your real tax depends on your 80C, HRA, NPS and home-loan interest. Add them and compare both regimes in seconds.
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