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Income Tax Calculator — ₹10 LPA

Calculate exact income tax on ₹10 lakh per annum salary for FY 2025-26. New vs old regime compared instantly.

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Enter total salary before any deductions. Standard deduction applied automatically.

Old Regime Deductions (not applicable in new regime)

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PPF, ELSS, EPF, LIC, home loan principal — max ₹1.5 lakh

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Health insurance premium — max ₹25,000 (self) or ₹50,000 (senior parents)

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Use our HRA Calculator to find your exact exemption

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80E (education loan), 80G (donations), NPS 80CCD(1B) etc.

Tax Comparison — New vs Old Regime
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Income Tax on ₹10 LPA — FY 2025-26

💡 At ₹10 LPA, new regime tax is ₹0 after 87A rebate. Taxable income after ₹75,000 standard deduction = ₹9.25 lakh — within the ₹12L rebate limit. Zero tax under new regime regardless of deductions.

₹10 LPA is a milestone salary — and under the new tax regime for FY 2025-26, it attracts zero income tax. After the ₹75,000 standard deduction, taxable income is ₹9.25 lakh, which qualifies for the full 87A rebate (zero tax up to ₹12L taxable income).

Under the old regime, with maximum deductions (80C ₹1.5L + 80D ₹25K + standard deduction ₹50K), taxable income drops to ~₹7.25 lakh, attracting about ₹52,500 in tax. New regime clearly wins at ₹10 LPA.

How Tax is Calculated on ₹10 LPA

New Regime: ₹10L − ₹75K std = ₹9.25L taxable → 87A rebate → ₹0 tax

Old Regime with max deductions

₹10L − ₹50K std − ₹1.5L (80C) − ₹25K (80D) = ₹7.75L taxable. Tax: 5% on ₹2.5–5L = ₹12,500 + 20% on ₹5–7.75L = ₹55,000. Total = ₹67,500 + 4% cess = ₹70,200.

⚠️ Tax slabs shown are for FY 2025-26. Verify after each Union Budget.

Example Calculation

📋 ₹10 LPA — Tax Under Both Regimes
NewTaxable ₹9.25L → 87A rebate → ₹0 tax
Old (no deductions)Taxable ₹9.5L → ₹1,17,000 tax
Old (80C only)Taxable ₹8L → ₹75,400 tax
Old (max deductions)Taxable ₹7.75L → ₹70,200 tax

Frequently Asked Questions

Under the new tax regime, ₹10 LPA attracts zero income tax. After the ₹75,000 standard deduction, taxable income is ₹9.25 lakh — within the ₹12 lakh 87A rebate limit. Under the old regime with maximum deductions (80C + 80D), tax is approximately ₹70,200.

Yes — under the new tax regime for FY 2025-26, ₹10 LPA is effectively tax-free. The ₹75,000 standard deduction brings taxable income to ₹9.25 lakh, which qualifies for the full Section 87A rebate (zero tax up to ₹12 lakh taxable income).

New regime is clearly better for ₹10 LPA — zero tax vs ₹70,000+ under old regime even with maximum deductions. There is no scenario at ₹10 LPA where the old regime saves more tax than the new regime.

Disclaimer: Results are for informational and educational purposes only — not financial, tax, or legal advice. Tax slabs, rates (EPF, PPF, home loan), and rules shown are based on data available in 2025 and may change. Always verify with a qualified professional or official government sources before making financial decisions.