🇮🇳Uses Indian IT Act slabs, FY 2025-26 — not applicable outside India
Income Tax on ₹20 LPA — When Does Old Regime Win?
How much tax on ₹20 LPA? Compare new vs old regime with full deduction breakdown.
✓ New Regime saves you more
₹1,66,400
per year · ₹13,867 more every month
Switch to
New Regime
Income Details
₹
₹1L₹1Cr
Salary / business income before deductions
yrs
FY 2025-26 Tax Comparison
Monthly In-Hand Salary
New Regime
₹1,50,633
/month
Old Regime
₹1,36,767
/month
₹13,866 more per month with New Regime
✓ Winner
New Tax Regime
₹75K std. deduction · no other deductions
Taxable Income₹19.25 L
Income Tax₹1.85 L
Total Tax
₹1,92,400
9.6% effective rate
Old Tax Regime
HRA + 80C + 80D + NPS + 24b
Taxable Income₹17.75 L
Income Tax₹3.45 L
Total Tax
₹3,58,800
17.9% effective rate
Tax Comparison
New Regime₹1,92,400
Old Regime₹3,58,800
New Regime Rate
9.6%
Old Regime Rate
17.9%