Calculator · FY 2025-26 (AY 2026-27)
Old vs new tax regime calculator
Enter your salary and deductions to see your tax under both regimes and which one wins — instantly, privately, in your browser.
Capped at ₹1,50,000 — EPF, PPF, ELSS, life insurance, principal, tuition
Additional ₹50,000 over 80C
Self, family and parents' premiums
Capped at ₹2,00,000 for a self-occupied home
The exempt portion of your house rent allowance
New regime is cheaper
Save ₹1,05,300
New taxable
₹14,25,000
Old taxable
₹12,75,000
Estimate for a resident individual below 60, FY 2025-26 (AY 2026-27), including 4% cess and the Section 87A rebate. Excludes surcharge (income above ₹50 lakh) and situation-specific items. For a precise figure on your real numbers, run your Form 16 through DrishtiTax.
How to read the result
The new regime gives a ₹75,000 standard deduction and lower rates but almost no other deductions. The old regime keeps the deductions you enter — 80C, NPS, 80D, home-loan interest, HRA — but at higher rates. The calculator subtracts each, computes tax, and tells you which is cheaper. If you have few deductions, the new regime usually wins; if you have a home loan and full 80C/80D, the old regime can pull ahead.
Frequently asked questions
Educational information
This page is general information for salaried taxpayers in India, not legal, financial or chartered-accountancy advice. Tax outcomes depend on your full, individual circumstances. Figures use FY 2025-26 (AY 2026-27) rules and may change. Verify against official sources or a qualified professional before acting.
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