Compare taxes under Old and New Regimes and choose the best option to save more.
ⓘ Includes the applicable standard deduction, resident rebate and marginal relief, individual surcharge, and 4% cess. Special-rate income and tax credits remain excluded.
Net payable / estimated refund after prepaid tax
₹1,50,800
Estimated balance payable
Approximate Old-Regime deduction crossover
₹6,50,000
Entered deductions at or above this level make Old Regime competitive at the current income.
Change one assumption at a time to see how it moves your tax.
New Regime
is better for you. You save ₹1,37,800 compared to Old Regime.
💡 This table reflects the amounts you entered above, not a fixed example. In New Regime, most deductions are not available except the ₹75,000 standard deduction.
Allows multiple deductions and exemptions under sections such as 80C, 80D and HRA.
Lower tax rates with a simplified structure, but most deductions are unavailable.
If deductions are substantial, compare both regimes before selecting.
Rebate eligibility depends on taxable income and the selected regime.
Surcharge applies beyond specified income thresholds.
01
Income tax is calculated progressively. Only the portion of taxable income within a slab is charged at that slab’s rate.
02
The better regime depends on the relationship between your taxable income and the deductions or exemptions you can legitimately claim.
03
Eligible deductions reduce taxable income under the regime and conditions where they are permitted.
04
The calculation starts with gross income, applies permitted exclusions and deductions, then calculates tax slab by slab.
05
Section 87A can reduce income tax for eligible resident individuals whose taxable income falls within the applicable limit.
06
HRA exemption is generally relevant under the Old Regime and is based on the least of specified salary-and-rent calculations.
07
Tax-saving decisions should support your financial goals first; the tax deduction is a secondary benefit.
08
Budget 2026 kept the FY 2026-27 slabs, standard deduction and Section 87A rebate threshold unchanged from FY 2025-26. This calculator uses the assumptions labelled FY 2026–27.
This income tax regime calculator translates your income, deductions and exemptions into a practical comparison between the Old and New Regime. Review the headline tax totals together with the slab breakdown and effective-rate metrics above.
The live result above currently shows ₹1,50,800 as your total tax payable under the New Regime. Change the inputs and compare scenarios to see how sensitive the estimate is.
Back to income tax topics ↑The calculator applies the FY 2026–27 slab rates, the applicable standard deduction, Section 87A rebate and 4% Health & Education Cess to your entered figures for both regimes, then compares the two totals.
The live result above currently shows ₹1,50,800 as your total tax payable under the New Regime. Change the inputs and compare scenarios to see how sensitive the estimate is.
Back to income tax topics ↑Income tax slabs, deductions, exemptions, rebate thresholds, surcharge and cess rules can change from year to year. Special-rate income and credits other than entered prepaid tax are not included here — always confirm the current figures against official tables before filing.
The live result above currently shows ₹1,50,800 as your total tax payable under the New Regime. Change the inputs and compare scenarios to see how sensitive the estimate is.
Back to income tax topics ↑Enter realistic figures for both regimes, compare more than one scenario, and keep a copy of the result. Revisit the calculation whenever your salary, investments or the applicable tax rules change.
The live result above currently shows ₹1,50,800 as your total tax payable under the New Regime. Change the inputs and compare scenarios to see how sensitive the estimate is.
Back to income tax topics ↑Official SourceIncome Tax Department
www.incometax.gov.in ↗
Last ReviewedAugust 5, 2026
By CalculateBetter Research Team
Privacy FirstWe do not store your personal data. All calculations are done in your browser.
It depends on how much you can genuinely claim in deductions and exemptions under the Old Regime. If your eligible deductions are substantial, the Old Regime may work out cheaper; otherwise the New Regime's lower slab rates often result in less tax. Compare both totals above before deciding.
Health and Education Cess at 4% is included in both regime totals shown above. Surcharge for higher income levels and marginal relief beyond the ₹12 lakh new-regime rebate threshold are not included and should be checked separately.
Salaried individuals can generally choose a regime each financial year when filing their return, subject to current income-tax rules. Individuals with business income may face restrictions on switching. Confirm the latest rules before filing.
This calculator excludes surcharge, special-rate income such as capital gains taxed at different rates, TDS already deducted, and other credits. Treat the result as a planning estimate, not a final tax computation.
This calculator is for planning. Check the applicable official source before acting on a tax, investment, property, or employment decision.
Primary sourceOfficial reference 1 ↗
Review statusFormula and source reviewed
Period: 2026-27
Not includedThe model includes ordinary-income surcharge, cess, rebate and marginal relief; special-rate income, AMT and person-specific credits require separate treatment.
Use the result as a planning estimate and complete these checks before making a decision.
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