Old vs New Regime

Old vs New Tax Regime for 15 LPA Salary

For 15 LPA salary, compare estimated annual tax under old and new regimes and see which choice leaves more take-home pay.

Short answer

New regime looks better for 15 LPA.

Estimated annual savings compared to the other regime are ₹1,13,100. Old regime tax is ₹2,10,600, while new regime tax is ₹97,500.

ESTIMATED MONTHLY TAKE-HOME

₹1,14,875

New Regime

Where your salary goes

i
Take-home91.9%₹13,78,500
Income tax6.5%₹97,500
PF / other deductions1.6%₹24,000

Best choice: New Regime

Save ₹1,13,100/year compared to the other regime.

₹Annual Take-Home₹13,78,500
TAnnual Tax₹97,500
SSocial Contributions₹24,000
%Effective Deduction Rate6.5%

Old vs new regime

Same salary inputs, compared under both FY 2025-26 regimes.

Old regimeAnnual tax₹2,10,600
New regimeAnnual tax₹97,500
New Regime is better. You save ₹1,13,100/year.

Break-even deduction insight

Old regime beats new regime only if deductions exceed ₹5,45,000. You entered ₹1,50,000.

When can old regime win?

Old regime can win when deductions and exemptions are high enough to offset the lower new-regime slabs.

Break-even deduction estimate: ₹5,45,000.

This is an estimate for salaried individuals. Actual tax can change based on exemptions, deductions, employer salary structure, surcharge, cess, and other income.

Compare with your deductions

Choosing a regime at 15 LPA

At 15 LPA the regime decision is genuinely close, which is why it deserves a quick calculation rather than a default. If you rent in a metro and claim HRA, or you have a home loan and use tax-saving investments fully, the old regime can edge ahead. Without those, the new regime's lower rates usually win comfortably.

The practical test is to total the deductions you will actually claim this year and compare them with the break-even level for this income. Many people at 15 LPA assume the old regime is better out of habit and end up paying more than the new regime would have cost.

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FAQ

Is old regime better for 15 LPA?

In this estimate, the new regime is better. Old regime can become better if your eligible deductions and exemptions are high enough.

How much deduction is needed for old regime to win?

With these assumptions, old regime starts to look competitive around ₹5,45,000. Your actual HRA, home loan interest, insurance, and investment deductions can change this.

Does new regime include standard deduction?

Yes. This FY 2025-26 estimate includes standard deduction where applicable in the calculator assumptions.

Can I change tax regime later?

Salaried taxpayers usually choose a regime through employer payroll and can review it while filing returns, subject to tax rules applicable for the year.

Is this estimate exact?

No. Actual tax can change based on exemptions, deductions, employer salary structure, surcharge, cess, and other income.