Tools
Income tax calculator.
Work out your tax for FY 2026-27 under both the new and old regimes — including the standard deduction, Section 87A rebate, surcharge and 4% health and education cess — and see which regime suits you.
Income Tax Calculator
Compare your tax under the new and old regimes for a resident individual below 60, and see which one leaves more in your hands.
80C, 80D, HRA, home-loan interest and similar — ignored in the new regime.
Tax — new regime
₹97,500
Tax — old regime
₹1,95,000
Better option — new regime
Saves ₹97,500
| Component | New regime | Old regime |
|---|---|---|
| Gross salary income | ₹15,00,000 | ₹15,00,000 |
| Standard deduction | ₹75,000 | ₹50,000 |
| Other deductions (80C/80D/HRA etc.) | ₹0 | ₹2,00,000 |
| Taxable income | ₹14,25,000 | ₹12,50,000 |
| Tax after 87A rebate | ₹93,750 | ₹1,87,500 |
| Surcharge | ₹0 | ₹0 |
| Health & education cess (4%) | ₹3,750 | ₹7,500 |
| Total tax payable | ₹97,500 | ₹1,95,000 |
Indicative only. Assumes salaried resident individual below 60 years, no capital gains or special-rate income. Verify with your tax adviser before filing.
New regime or old regime?
The new regime offers wider slabs, a ₹75,000 standard deduction and a rebate that keeps tax at nil up to ₹12 lakh of taxable income, but it drops most exemptions. The old regime keeps 80C, 80D, HRA and home-loan interest alive with a ₹50,000 standard deduction. If your documented deductions are large — typically above ₹3.5–4 lakh — the old regime can still win. Move the sliders above to find your break-even point.
Tax saved is only useful if it is invested.
We align your regime choice with your investments, insurance and retirement plan — not just this year's filing.