इनकम टैक्स कैलकुलेटर
Income tax calculator: old vs new regime
Enter your salary and deductions once and see both regimes side by side, with the saving highlighted.
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New regime · FY 2026-27
Saves ₹1,04,551₹97,500
- Taxable income
- ₹14,25,000
- Tax on slabs
- ₹93,750
- 87A rebate / relief
- −₹0
- Cess (4%)
- ₹3,750
- Effective rate
- 6.5%
Old regime · FY 2026-27
₹2,02,051
- Taxable income
- ₹12,72,600
- Tax on slabs
- ₹1,94,280
- 87A rebate / relief
- −₹0
- Cess (4%)
- ₹7,771
- Effective rate
- 13.5%
Estimate for salaried individuals under 60. Capital gains and other special-rate income aren't covered. File using the official income tax utility.
How to use it
- 01Enter your yearly gross salary and other income.
- 02Add deductions you'd claim under the old regime (80C, 80D, HRA, home loan).
- 03Compare the two results; the cheaper regime is highlighted.
₹12.75 lakh salary, new regime
₹0 tax (87A rebate after ₹75,000 standard deduction)
About this tool
New regime (default): slabs of 0% up to ₹4 lakh, then 5% to ₹8 lakh, 10% to ₹12 lakh, 15% to ₹16 lakh, 20% to ₹20 lakh, 25% to ₹24 lakh and 30% above, with a ₹75,000 standard deduction. Thanks to the Section 87A rebate, taxable income up to ₹12 lakh pays no tax, with marginal relief just above it.
Old regime: 0% up to ₹2.5 lakh, 5% to ₹5 lakh, 20% to ₹10 lakh and 30% above, with a ₹50,000 standard deduction plus deductions like 80C (₹1.5 lakh), 80D, HRA and home-loan interest (₹2 lakh).
Both add 4% health and education cess, and surcharge above ₹50 lakh. This is an estimate for salaried individuals under 60; file your return using the official utility.
हिंदी में मदद
FY 2026-27 के लिए पुरानी और नई टैक्स व्यवस्था की तुलना करें। नई व्यवस्था में ₹12 लाख तक की टैक्सेबल आय पर (₹75,000 स्टैंडर्ड डिडक्शन के बाद, यानी ₹12.75 लाख सैलरी तक) कोई टैक्स नहीं। पुरानी व्यवस्था में 80C, 80D, HRA जैसी छूट मिलती है।
Questions
Is income up to ₹12 lakh really tax-free?
In the new regime, yes: taxable income up to ₹12 lakh gets a full 87A rebate. For salaried people that means about ₹12.75 lakh of salary, after the ₹75,000 standard deduction. Special-rate income like capital gains doesn't get the rebate.
Which regime is better for me?
If your old-regime deductions (80C, 80D, HRA, home loan) add up to well over ₹4–5 lakh, the old regime can win; otherwise the new regime usually does. The calculator shows both.
Does this include surcharge and cess?
Yes: 4% cess on all tax, and surcharge for income above ₹50 lakh (capped at 25% in the new regime).