FY 2025-26 · Old vs New Regime

Income Tax Calculator

Compare your tax under the old and new regimes for FY 2025-26 (AY 2026-27) and see exactly which one saves you more.

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Your total annual income before any deductions.

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PF, ELSS, life insurance, PPF. Capped at ₹1,50,000. Old regime only.

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Health insurance premiums. Capped at ₹1,00,000. Old regime only.

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Capped at ₹2,00,000 for self-occupied property. Old regime only.

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Additional NPS contribution. Capped at ₹50,000. Old regime only.

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Your calculated HRA exemption amount, if applicable. Old regime only.

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80E, 80G, or any other eligible old-regime deductions.

Calculation Assumptions

Results can differ across apps when compounding or contribution timing assumptions change.

  • Slabs used are the FY 2025-26 (AY 2026-27) new regime slabs and the long-standing old regime slabs for individuals below 60.
  • Section 87A rebate is applied as a full rebate up to the eligible limit; marginal relief just above the rebate threshold is not modeled, so tax can jump sharply just past ₹12,00,000 (new) or ₹5,00,000 (old) taxable income.
  • Surcharge for very high incomes (above ₹50L) is not included — only the 4% health & education cess is applied.
  • Old-regime deductions (80C, 80D, home loan interest, NPS, HRA) do not apply under the new regime, per current law.