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Income tax on ₹13 lakh salary (FY 2026-27)
New regime
₹26,000
₹2,167 a month · 2.0% of salary
Old regime, ₹1.5 lakh 80C
₹1,48,200
₹12,350 a month
On a gross salary of ₹13,00,000, the old regime is cheaper only if your deductions and exemptions are more than about ₹6,87,500.
New regime working
| Gross salary | ₹13,00,000 |
|---|---|
| Standard deduction | − ₹75,000 |
| Taxable income | ₹12,25,000 |
| Slab | Rate | Tax |
|---|---|---|
| ₹0–4 lakh | 0% | ₹0 |
| ₹4–8 lakh | 5% | ₹20,000 |
| ₹8–12 lakh | 10% | ₹40,000 |
| ₹12–12.25 lakh | 15% | ₹3,750 |
| Tax on slabs | ₹63,750 |
|---|---|
| Marginal relief | − ₹38,750 |
| Cess (4%) | ₹1,000 |
| Total tax | ₹26,000 |
Old regime with different deductions
Deductions here mean 80C, 80D, HRA exemption, home loan interest and the like, on top of the ₹50,000 standard deduction.
| Deductions | Taxable income | Tax | vs new regime |
|---|---|---|---|
| ₹0 | ₹12,50,000 | ₹1,95,000 | costs ₹1,69,000 more |
| ₹1,50,000 | ₹11,00,000 | ₹1,48,200 | costs ₹1,22,200 more |
| ₹2,50,000 | ₹10,00,000 | ₹1,17,000 | costs ₹91,000 more |
| ₹3,75,000 | ₹8,75,000 | ₹91,000 | costs ₹65,000 more |
| ₹5,00,000 | ₹7,50,000 | ₹65,000 | costs ₹39,000 more |
Calculate with your own deductions
Frequently asked questions
How much tax do I pay on ₹13 lakh salary?
₹26,000 for the year under the new regime in FY 2026-27, including 4% cess. Under the old regime with ₹1.5 lakh of 80C deductions, it is ₹1,48,200.