Enter total salary before any deductions. Standard deduction applied automatically.
Old Regime Deductions (not applicable in new regime)
PPF, ELSS, EPF, LIC, home loan principal — max ₹1.5 lakh
Health insurance premium — max ₹25,000 (self) or ₹50,000 (senior parents)
Use our HRA Calculator to find your exact exemption
80E (education loan), 80G (donations), NPS 80CCD(1B) etc.
Income Tax on ₹15 LPA — FY 2025-26
₹15 LPA is where the new vs old regime decision gets interesting. Under the new regime, tax is approximately ₹45,500 (after ₹75K standard deduction, taxable = ₹13.75L). Under the old regime, you need significant deductions to beat this.
Break-even point at ₹15 LPA: approximately ₹3.5 lakh in total deductions (80C + 80D + HRA). If your actual deductions exceed ₹3.5L, old regime saves more. Below that, new regime wins.
How Tax is Calculated on ₹15 LPA
Old Regime break-even analysis
With ₹1.75L deductions: old regime tax ≈ ₹45,500 (same as new).
With ₹3.5L deductions: old regime tax ≈ ₹23,400 (saves ₹22,100 vs new).
With max deductions (₹1.5L + ₹25K + ₹2L HRA): old regime tax ≈ ₹14,000.
Example Calculation
Frequently Asked Questions
Under the new tax regime, ₹15 LPA attracts approximately ₹47,320 tax (including 4% cess). Under the old regime without deductions, tax is much higher at ~₹3 lakh. With maximum deductions (80C + 80D + HRA), old regime tax drops to ~₹1.3 lakh — new regime still wins unless you have very high HRA exemption.
New regime is better for most people at ₹15 LPA. The break-even is approximately ₹3.5 lakh in total old regime deductions. If your 80C + 80D + HRA + other deductions exceed ₹3.5 lakh, old regime may save more. Use this calculator with your exact deduction numbers to find out.
In-hand salary for ₹15 LPA depends on your salary structure. Typically, for ₹15 LPA with 40% basic, monthly in-hand is approximately ₹95,000–₹1,05,000 under the new regime (zero tax up to ₹12.75L gross). Use our Salary In-Hand Calculator for exact breakdown.
Related Calculators
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.