INCOME TAX ON ₹18 LAKH · SALARIED · NEW REGIME · FY 2025-26
NEW REGIME (DEFAULT)
₹1,50,800
EFFECTIVE RATE
8.38%
MONTHLY TAKE-HOME
₹1,37,433
OLD REGIME (NO EXTRA DEDUCTIONS)
₹3,51,000
EFFECTIVE RATE
19.50%
MONTHLY TAKE-HOME
₹1,20,750
✅ New Regime saves ₹2,00,200/year (₹16,683/month) vs Old Regime with no deductions
NEW REGIME — SLAB BREAKDOWN (₹18L SALARIED)
| Slab | Rate | Taxable Amt | Tax |
|---|---|---|---|
| Standard deduction | — | −75,000 | — |
| Up to Rs.4L | 0% | ₹4,00,000 | Nil |
| Rs.4L - Rs.8L | 5% | ₹4,00,000 | ₹20,000 |
| Rs.8L - Rs.12L | 10% | ₹4,00,000 | ₹40,000 |
| Rs.12L - Rs.16L | 15% | ₹4,00,000 | ₹60,000 |
| Rs.16L - Rs.20L | 20% | ₹1,25,000 | ₹25,000 |
| Rs.20L - Rs.24L | 25% | Nil | Nil |
| Above Rs.24L | 30% | Nil | Nil |
| TOTAL TAX (incl. 4% cess) | ₹1,50,800 | ||
KEY FACTS — ₹18L SALARY (NEW REGIME)
GROSS SALARY
₹18,00,000
STANDARD DEDUCTION
₹75,000
TAXABLE INCOME
₹17,25,000
TOTAL TAX
₹1,50,800
EFFECTIVE RATE
8.38%
MONTHLY TAKE-HOME
₹1,37,433
NEW vs OLD — ₹18L (NO EXTRA DEDUCTIONS)
| New Regime | Old Regime | |
|---|---|---|
| Std deduction | ₹75,000 | ₹50,000 |
| Taxable income | ₹17,25,000 | ₹17,50,000 |
| Total tax | ₹1,50,800 | ₹3,51,000 |
| Effective rate | 8.38% | 19.50% |
| Monthly take-home | ₹1,37,433 | ₹1,20,750 |
New Regime saves ₹2,00,200/year with no deductions.
→ Calculate with YOUR deductions — New vs Old ComparisonIncome tax on ₹18 lakh salary · New Regime FY 2025-26 · Salaried · Std deduction ₹75,000 · Total tax Rs.150,800 · Eff. rate 8.38% · Budget 2025