Income Tax Regime Calculator
Compare tax under the old vs new regime
Compare estimated annual tax under the old and new tax regimes, with itemised deductions, age-wise slabs and the break-even deduction amount.
Your income
Allowed in both regimes
Old regime deductions
· Not allowed in the new regimeGood to know
- New regime (FY 2026-27): ₹75,000 standard deduction; slabs 0% up to ₹4L, then 5%, 10%, 15%, 20%, 25% and 30% above ₹24L.
- Old regime: ₹50,000 standard deduction; slabs 0% up to ₹2.5L (₹3L at 60+, ₹5L at 80+), then 5%, 20% above ₹5L and 30% above ₹10L.
- Section 87A gives nil tax up to ₹12L taxable income in the new regime (with marginal relief just above) and ₹5L in the old regime.
- Surcharge applies above ₹50 lakh with marginal relief at each threshold; the new regime caps it at 25%, the old regime goes up to 37%.
Results
New regime saves you more
₹1,17,000
less tax every year
New regimeBetter
₹0
tax a year
Old regime
₹1,17,000
tax a year
Break-even: the old regime starts to win once your old-regime deductions pass about ₹6,50,000 (you have claimed ₹1,50,000).
Sec 87A rebate makes your new-regime tax nil.
Estimate only, using FY 2026-27 slab rates (unchanged from FY 2025-26 by Budget 2026). Special-rate income such as capital gains is not modelled. Consult your tax advisor before choosing a regime for the financial year.
How this calculator works
Enter your salary and other income, then the deductions you can claim (80C, 80D, NPS, home loan interest, HRA and more). The calculator shows slab-wise tax, rebate, surcharge and cess under both regimes side by side, which one saves more, and how much old-regime deduction you need before it beats the new regime.
Income Tax Regime Calculator: FAQs
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