Old vs New Tax Regime for 30 LPA Salary
For 30 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 30 LPA.
Estimated annual savings compared to the other regime are ₹2,02,051. Old regime tax is ₹6,71,112, while new regime tax is ₹4,69,061.
ESTIMATED MONTHLY TAKE-HOME
₹2,07,112
Where your salary goes
iMonthly
Take-Home
₹2,07,112
Best choice: New Regime
Save ₹2,02,051/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 ₹7,98,000. You entered ₹1,50,000.
A fixed target, but still a demanding one
Break-even deduction estimate: ₹7,98,000.
₹7,98,000 is about 27% of a ₹29,78,400 gross, so as a proportion of income the target is genuinely easier here than the ₹7,00,000 required at 20 LPA. What has not changed are the caps: 80C, 80D, and home-loan interest still top out at the same absolute figures.
The more useful lever at this income is employer NPS under section 80CCD(2), because it is one of the few deductions that survives inside the new regime. It reduces tax at the 31.2% marginal rate without requiring the old regime at all, which makes it additive to the regime decision rather than an alternative to it.
At 30 LPA the regime gap is fixed at ₹2,02,051
30 LPA is past the point where the regime comparison still moves. Both regimes tax the marginal rupee at 30% plus 4% cess, so the difference between them has frozen: ₹2,02,051, exactly the same figure the calculator produces at 25, 40 and 50 LPA.
New-regime tax is ₹4,69,061 against ₹6,71,112 under the old regime with ₹1,50,000 of deductions. The break-even deduction is ₹7,98,000 and it will not rise again at higher incomes, because there is no longer a growing gap to close.
Surcharge is not a factor here despite being widely assumed to be. It applies above ₹50,00,000 of taxable income, and 30 LPA produces ₹29,03,400 — more than ₹20 lakh below the threshold. The effective rate lands near 15.7%.
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FAQ
Is old regime better for 30 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 ₹7,98,000. Your actual HRA, home loan interest, insurance, and investment deductions can change this.
Does surcharge apply at 30 LPA?
No. Surcharge begins above ₹50,00,000 of taxable income and 30 LPA produces taxable income of ₹29,03,400. The tax estimate consists of slab tax plus 4% cess only.
Why is the saving identical at 30 LPA and 50 LPA?
Because both regimes charge 30% on income above their top slab thresholds. Once you are past that point under both, additional income is taxed the same way in each, so the difference between them stops growing and stays at ₹2,02,051.
Is there any tax planning worth doing at 30 LPA?
The regime choice itself is effectively settled in favour of the new regime. The remaining levers are employer NPS contributions under 80CCD(2), which work inside the new regime, and how bonus and variable pay are timed across financial years.