Income Tax on ₹6 Lakh Salary (FY 2026-27)
On a ₹6 lakh salary you pay no income tax in FY 2026-27 under either regime. The new regime's ₹75,000 standard deduction and Section 156 (earlier 87A) rebate clear it, and in the old regime ₹1.5 lakh of Section 123 (earlier 80C) investments bring taxable income down to ₹4,00,000, inside the ₹5 lakh rebate limit.
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Only affects the Old Regime exemption limit.
Old Regime
Includes standard deduction + the deductions you entered above.
Total Tax Payable
₹0
Effective rate: 0.0%
New Regime
Flat ₹75,000 standard deduction. No 80C/80D/HRA benefit.
Total Tax Payable
₹0
Effective rate: 0.0%
Smart tax-saving tips
Worked out from your numbers for FY 2026-27 (Tax Year 2026-27).
Both regimes cost the same
With your current numbers you pay ₹0 either way. The New Regime needs no investment proofs, so it's the simpler choice.
Extra NPS won't cut your tax right now
Your Old Regime tax is already nil, so investing more under Section 124 (earlier 80CCD(1B)) gives no additional tax benefit.
Estimates for salaried individuals, based only on the deductions entered above. Not investment advice.
New Regime: where your income goes
Annual gross income under the New regime.
- Total₹6,00,000
| Breakdown | Old Regime | New Regime |
|---|---|---|
| Taxable Income (Annual) | ₹4,00,000 | ₹5,25,000 |
| Tax Payable (Annual) | ₹0 | ₹0 |
| Tax Payable (Monthly) | ₹0 | ₹0 |
| Take-Home (Annual) | ₹6,00,000 | ₹6,00,000 |
| Take-Home (Monthly) | ₹50,000 | ₹50,000 |
FY 2026-27 · Income-tax Act, 2025
Old vs new regime on ₹6 lakh
- New regime tax
- ₹0
- 0.0% of salary
- Old regime tax
- ₹0
- with ₹1.5 lakh 80C
- Monthly in-hand
- ₹50,000
- new regime, before PF and PT
- Break-even deductions
- ₹50,000
- for the old regime to match the new
| New regime | Old: no deductions | Old: ₹1.5L Section 123 | |
|---|---|---|---|
| Gross salary | ₹6,00,000 | ₹6,00,000 | ₹6,00,000 |
| Deductions | ₹75,000 | ₹50,000 | ₹2,00,000 |
| Taxable income | ₹5,25,000 | ₹5,50,000 | ₹4,00,000 |
| Rebate / marginal relief | − ₹6,250 | — | − ₹7,500 |
| Health & education cess (4%) | ₹0 | ₹900 | ₹0 |
| Total tax | ₹0 | ₹23,400 | ₹0 |
Deductions are the standard deduction (₹75,000 new, ₹50,000 old) plus, in the last column, ₹1,50,000 under Section 123 (earlier 80C). Change the numbers in the calculator above to add HRA, home-loan interest, health insurance or NPS.
New regime
How the ₹5,25,000 of taxable income is taxed
| Slab | Rate | Income in slab | Tax |
|---|---|---|---|
| ₹0 – ₹4,00,000 | 0% | ₹4,00,000 | ₹0 |
| ₹4,00,000 – ₹8,00,000 | 5% | ₹1,25,000 | ₹6,250 |
| Slab tax before rebate and cess | ₹6,250 |
Watch the cliff: the rebate disappears once taxable income passes ₹12 lakh. Marginal relief softens the jump, but from about ₹13 lakh of salary the full slab tax applies. If a raise takes you over the limit, the new regime still usually wins unless you have large deductions.
FAQ
Frequently asked questions
How much income tax do I pay on a ₹6 lakh salary in FY 2026-27?
Under the new regime you pay ₹0 (taxable income ₹5,25,000 after the ₹75,000 standard deduction). Under the old regime you pay ₹23,400 with no deductions, or ₹0 if you invest ₹1.5 lakh under Section 123 (earlier 80C).
Which tax regime is better for a ₹6 lakh salary?
Both regimes cost ₹0 with ₹1.5 lakh of Section 123 (earlier 80C) deductions, so the new regime is simpler.
What is the monthly in-hand salary on ₹6 lakh?
₹6 lakh a year is ₹50,000 a month before tax. After income tax it is about ₹50,000 a month under the new regime, or ₹50,000 under the old regime with ₹1.5 lakh in Section 123 (earlier 80C). Employee PF and professional tax reduce it further; the salary calculator works these out from your CTC.
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Tax at nearby salaries
Want your exact in-hand pay with PF, gratuity and professional tax? Use the CTC to in-hand salary calculator. See state-wise slabs on the professional tax page.
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