Enter only deductions you can legally claim.
Old vs New Tax Regime Calculator
Compare indicative old- and new-regime tax for AY 2026–27. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
New regime estimated saving₹3,640Updates instantly as you edit
Old-regime tax₹1.54 L
New-regime tax₹1.51 L
Lower estimated tax₹1.51 L
Cost comparisonCurrent versus proposed
MeasureCurrentAfter change
Taxable income₹11,20,000₹17,25,000
Tax including cess₹1,54,440₹1,50,800
Average monthly tax₹12,870₹12,567
Projection journeyHover to inspect a year
AY 2026–27 normal-income illustration with rebate and 4% cess. Special-rate income, surcharge, marginal relief and regime eligibility require separate review.
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Five smart nudges
Use the result with context.
Keep special-rate gains outside normal slab income.
Do not buy a poor product merely to save tax.
Business income changes switching rules.
Recheck after every Budget or salary revision.
Understanding Tax Regime Compare in India
Editorially reviewed 13 July 2026 · Rules and assumptions can change
AY 2026–27 comparison logic
The new regime uses slabs beginning at ₹4 lakh and the old regime retains its older slabs, while deductions and exemptions differ. This calculator applies a ₹75,000 new-regime salary standard deduction, ₹50,000 old-regime standard deduction, relevant rebate screening and 4% cess for normal income.
At the same gross salary, the old regime needs sufficient eligible HRA, deductions and house-property interest to overcome the new regime’s lower slab tax. The break-even is personal rather than one universal deduction number.
What must be entered separately
Enter only deductions legally available in that regime. Employer NPS and certain specified items may remain available under the new regime while common Chapter VI-A deductions and HRA generally do not.
Capital gains, lottery, crypto and other special-rate income require separate calculations. Surcharge, marginal relief, agricultural income and business-income switching rules can also change the outcome.
How to use the result
Compare tax, monthly cash flow and the actions required to obtain deductions. Buying an unsuitable product only to reduce tax can destroy more value than it saves.
The new regime is the default, but eligible non-business taxpayers can make the permitted annual choice in the return. Business or professional income has additional option rules and deadlines.
Official sources used for this guide
- Income Tax Department — AY 2026–27 individual tax guidance ↗
- Income Tax Department — Income and Tax Estimator manual ↗
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
Tax Regime Compare calculator FAQs
Is the new regime always better?
No. Eligible old-regime deductions and exemptions can change the result.
Does this include capital gains?
No; special-rate income should be calculated separately.
Is the lower tax automatically the right choice?
Usually it is relevant, but consider legal eligibility and whether deductions require unwanted spending.
Can a professional switch every year?
Business/professional taxpayers face additional option restrictions; check current filing rules.