On a salary of ₹22 lakh in FY 2026-27 (AY 2027-28), you pay ₹2,40,500 under the New regime versus ₹4,75,800 under the Old regime (standard deduction only). The New regime saves you ₹2,35,300. The Old regime becomes cheaper only if your total deductions - 80C + 80D + NPS + home-loan interest + HRA combined - exceed ₹7,54,152.
₹22 lakh salary - tax at a glance
| Particulars | Amount |
|---|---|
| Gross salary | ₹22,00,000 |
| Tax - New regime (incl. cess) | ₹2,40,500 |
| Tax - Old regime, standard deduction only | ₹4,75,800 |
| Recommended regime | New (saves ₹2,35,300) |
| Break-even deduction (Old beats New above this) | ₹7,54,152 |
| Monthly in-hand (New regime) | ₹1,63,292 |
How the tax is calculated (New regime)
Taxable income after the ₹75,000 standard deduction = ₹21,25,000. 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 – ₹12,00,000 · 10% | ₹40,000 |
| ₹12,00,000 – ₹16,00,000 · 15% | ₹60,000 |
| ₹16,00,000 – ₹20,00,000 · 20% | ₹80,000 |
| ₹20,00,000 – ₹21,25,000 · 25% | ₹31,250 |
| Tax on slabs | ₹2,31,250 |
| Health & Education cess (4%) | ₹9,250 |
| Total tax (New regime) | ₹2,40,500 |
Should you pick the Old or New regime at ₹22 lakh?
For most salaried people at ₹22 lakh the new regime wins because reaching ₹7,54,152 in deductions needs a home loan plus rent plus a maxed 80C - uncommon without a housing EMI. If you have all of those, run your exact figures below.
Your real tax depends on your 80C, HRA, NPS and home-loan interest. Add them and compare both regimes in seconds.
Calculate your exact tax →Frequently asked questions
How much income tax on a ₹22 lakh salary in FY 2026-27?
Under the new regime you pay ₹2,40,500 on a ₹22 lakh salary (after the ₹75,000 standard deduction). Under the old regime with only the standard deduction it is ₹4,75,800.
Which tax regime is better for a ₹22 lakh salary?
The new regime, unless your total deductions exceed ₹7,54,152. Below that, the new regime is cheaper by ₹2,35,300.
What is the monthly in-hand for a ₹22 lakh salary?
About ₹1,63,292 per month under the new regime, before any employer PF or other deductions.