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 ₹1,08,982. Old regime tax is ₹2,03,112, while new regime tax is ₹94,130.
ESTIMATED MONTHLY TAKE-HOME
₹1,13,356
Where your salary goes
iMonthly
Take-Home
₹1,13,356
Best choice: New Regime
Save ₹1,08,982/year compared to the other regime.
Old vs new regime
Same salary inputs, compared under both FY 2025-26 regimes.
Break-even deduction insight
Old regime beats new regime only if deductions exceed ₹5,37,000. You entered ₹1,50,000.
What ₹5,37,000 of deductions actually looks like
Break-even deduction estimate: ₹5,37,000.
Against a gross of ₹14,78,400, ₹5,37,000 is about 36% of income. Section 80C caps at ₹1,50,000 and home-loan interest at ₹2,00,000 for a self-occupied property, so those two together reach ₹3,50,000 at most.
The remaining ₹1,87,000 has to come from HRA, 80D health insurance, and 80CCD(1B) NPS. That makes HRA the deciding component: if you rent in a metro on a salary with a real HRA line, the old regime is worth a serious calculation at 15 LPA. If you do not, it is not close.
The closest regime call of any Indian salary band
15 LPA produces the lowest break-even deduction on the site: ₹5,37,000. That is the total you would need to claim under the old regime for it to match the new one, and it is nearly ₹2,00,000 lower than the equivalent figure at 25 LPA and above.
The reason is structural. At this income the old regime's ₹2,50,000–₹5,00,000 band at 5% and ₹5,00,000–₹10,00,000 band at 20% still compare reasonably with the new regime's slabs. Higher up, the new regime's wider bands pull decisively ahead and the old regime never recovers.
On PayVerdict's default assumption of ₹1,50,000 in deductions the new regime wins by ₹1,08,982 — ₹94,130 of tax against ₹2,03,112. But that default is deliberately conservative. If your real deductions run three or four times higher, this is the one band where the arithmetic genuinely turns.
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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 ₹5,37,000. Your actual HRA, home loan interest, insurance, and investment deductions can change this.
Why is 15 LPA the best case for the old regime?
Because the break-even deduction is lowest here at ₹5,37,000. The threshold rises to ₹7,00,000 at 20 LPA and ₹7,98,000 from 25 LPA upward, so the old regime becomes progressively harder to justify as income grows.
How much tax does 15 LPA pay under each regime?
On these assumptions, ₹94,130 under the new regime and ₹2,03,112 under the old regime with ₹1,50,000 of deductions claimed — a difference of ₹1,08,982 a year.
Can HRA alone make the old regime better at 15 LPA?
Rarely on its own, but it is usually the largest single component. HRA plus a fully used 80C limit gets you a substantial part of the way to ₹5,37,000; closing the remainder generally needs home-loan interest as well.