# Income Tax on 30 Lakh Salary FY 2026-27: New vs Old Regime > Income tax on 30 lakh salary in FY 2026-27 is INR 4,75,800 in the new regime. With high metro rent and full deductions the old regime can win: check yours. Source: https://trykosh.com/tools/income-tax-on-30-lakh-salary Free tool - Income tax # Income tax on a INR 30 lakh salary in FY 2026-27 A INR 30 lakh salary pays INR 4,75,800 in the new regime. This is the salary range where the old regime starts to win for people paying high rent. Rules checked 25 October 2026Free - no sign-upRuns in your browser New regime saves you INR 1,01,400 Tax: INR 4,75,800 a year, INR 39,650 a month New regime**INR 4,75,800** Old regime**INR 5,77,200** Effective rate**15.9%** Gross income INR 30,00,000 − Standard deduction INR 75,000 Taxable income INR 29,25,000 Tax on slabs INR 4,57,500 \+ Health & education cess (4%) INR 18,300 Total tax INR 4,75,800 Side by side New regime Old regime Gross income INR 30,00,000 INR 30,00,000 Deductions INR 75,000 INR 5,25,000 Taxable income INR 29,25,000 INR 24,75,000 Tax on slabs INR 4,57,500 INR 5,55,000 Rebate (87A) INR 0 INR 0 Surcharge INR 0 INR 0 Cess (4%) INR 18,300 INR 22,200 Total tax INR 4,75,800 INR 5,77,200 Marginal rate 30% 30% The new regime is the default: you don't need to do anything to get it. ## Upload your statement and Kosh does this for you. Upload a bank statement or salary slip and Kosh works out your tax under both regimes from your real numbers, finds the deductions you're missing and reminds you before every deadline. [Start free](/signup?via=tool-income-tax-on-30-lakh-salary) ## How the tax on INR 30 lakh salary works New regime: INR 29.25 lakh taxable. Slab tax is INR 3 lakh up to INR 24 lakh plus 30% of INR 5.25 lakh (INR 1,57,500), INR 4,57,500 in total, and INR 4,75,800 with cess. That's about INR 39,650 a month. Old regime with typical deductions leaves INR 24.75 lakh taxable and INR 5,77,200 of tax. But at this level HRA can be large: in a metro, 50% of basic is the cap, and high rent can turn the comparison around. From a 30 LPA CTC, after PF, gratuity, professional tax and about INR 3.97 lakh of tax, take-home is roughly INR 1.81 lakh a month. ## Worked example: Zoya pays INR 60,000 rent in Mumbai Zoya's basic is INR 15 lakh and she pays INR 60,000 a month in Mumbai. Her HRA exemption is INR 5.7 lakh. With 80C, her own NPS and health cover for herself and her senior parents, her deductions total INR 8.95 lakh, and the old regime costs INR 4,61,760, INR 14,040 less than the new regime. Old regime saves you INR 14,040 Tax: INR 4,61,760 a year, INR 38,480 a month New regime**INR 4,75,800** Old regime**INR 4,61,760** Effective rate**15.4%** Gross income INR 30,00,000 − Standard deduction INR 50,000 − HRA exemption - 10(13A) INR 5,70,000 − 80C investments - 80C (s.123) INR 1,50,000 − Own NPS contribution - 80CCD(1B) (s.124) INR 50,000 − Health insurance - 80D (s.126) INR 75,000 Taxable income INR 21,05,000 Tax on slabs INR 4,44,000 \+ Health & education cess (4%) INR 17,760 Total tax INR 4,61,760 To use the old regime, tell your employer at the start of the year and pick it when you file your ITR. [Load this example into the calculator ->](?hra=750000&rent=720000&metro=1&ccd1b=50000&healthParents=50000&parentsSenior=1#calculator) ## Good to know - Rent paid to parents must be real: transfers from your account, a rent agreement, and the rent declared in their returns. - If you switch to the old regime because of HRA, keep receipts and the landlord's PAN; HRA claims are commonly checked. - Employer NPS works in both regimes, so add it before comparing. ## Frequently asked questions How much tax on INR 30 lakh salary? INR 4,75,800 in the new regime for FY 2026-27. In the old regime anywhere from about INR 4.5 lakh to INR 5.8 lakh depending on deductions. Is the old regime better at INR 30 lakh? It can be, if your deductions exceed about INR 8.5 lakh, typically with high metro rent, a home loan, or both, on top of 80C, NPS and 80D. What is the in-hand salary for 30 LPA? About INR 1.8 lakh a month in the new regime, with basic at half of CTC, PF on full basic and gratuity inside CTC. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) - [Union Budget 2026-27](https://www.indiabudget.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.