Tax calculation on ₹14 lakh (new regime)
- Gross salary: ₹14,00,000
- Less standard deduction: ₹75,000
- Taxable income: ₹13,25,000
- ₹0 – ₹4 L at 0%: ₹0
- ₹4 L – ₹8 L at 5%: ₹20,000
- ₹8 L – ₹12 L at 10%: ₹40,000
- ₹12 L – ₹16 L at 15%: ₹18,750
- Cess at 4%: ₹3,150
- Total tax: ₹81,900
When does the old regime win?
New regime tax on ₹14 lakh: ₹81,900. Old regime tax with different deductions:
| Old-regime deductions | Old regime tax | Cheaper |
|---|---|---|
| No deductions | ₹2,25,420 | New |
| 80C ₹1.5 lakh | ₹1,78,620 | New |
| + 80D ₹25,000 + NPS ₹50,000 | ₹1,55,220 | New |
| + HRA ₹2 lakh + home loan interest ₹2 lakh | ₹59,280 | Old |
Break-even: the old regime needs about ₹5,19,000 of deductions to match the new regime at this salary.
Compared with nearby salaries
New regime tax and old regime tax with 80C and 80D:
| Salary | New regime | Old regime |
|---|---|---|
| ₹11 lakh | ₹0 | ₹90,480 |
| ₹12 lakh | ₹0 | ₹1,11,280 |
| ₹13 lakh | ₹26,000 | ₹1,39,620 |
| ₹14 lakh | ₹81,900 | ₹1,70,820 |
| ₹15 lakh | ₹97,500 | ₹2,02,020 |
| ₹16 lakh | ₹1,13,100 | ₹2,33,220 |
| ₹17 lakh | ₹1,30,000 | ₹2,64,420 |
See what you take home each month on the ₹14 lakh CTC salary page.
Frequently asked questions
How much income tax do I pay on a ₹14 lakh salary?
For FY 2026-27, a ₹14 lakh salary attracts ₹81,900 of tax in the new regime, including 4% cess. In the old regime, with ₹1.5 lakh under 80C, ₹25,000 health insurance and ₹2,500 professional tax, the tax is ₹1,70,820.
Which regime is better for a ₹14 lakh salary?
The new regime, unless your old-regime deductions (beyond the standard deduction) exceed about ₹5,19,000.
What is the monthly take-home on a ₹14 lakh salary after tax?
About ₹1,09,842 a month after income tax in the new regime. PF and professional tax reduce it further; see the in-hand salary page for the full picture.
What is my tax slab on a ₹14 lakh salary?
After the ₹75,000 standard deduction your taxable income is ₹13,25,000, which puts your top slab at 15% in the new regime. Your effective tax rate is 5.9%.