Old vs New Tax Regime Calculator
Compare illustrated income tax under the old and new regimes for Tax Year 2026-27 (Income Tax Act, 2025; earlier styled FY 2026-27 / AY 2027-28). This tool shows the numbers for both regimes based on what you enter — it does not tell you which regime to choose.
Your details
Adjust the amounts below to see how the illustrated tax changes.
In rupees, per year, before any deductions.
Determines whether the standard deduction applies, in both regimes.
Combined total of 80C, 80D, HRA, home loan interest, etc. that you're eligible to claim under the old regime. Not used for the new regime.
Affects the old regime's senior citizen exemption only.
Your comparison
Under these entered assumptions, the illustrated tax is lower under the new regime by ₹1,17,000.
This calculator does not model surcharge, which applies to real taxable income above ₹50 lakh under current law. For higher incomes, actual tax will differ from — and likely exceed — the figures shown here.
Figures reflect Tax Year 2026-27 (Income Tax Act, 2025; earlier styled FY 2026-27 / AY 2027-28) rules as implemented by this calculator, applying the standard deduction (where you're salaried), Section 87A rebate, and 4% cess for each regime. Illustrative. Confirm with a tax professional / current Income Tax rules.
₹12,00,000 ki gross income ke liye, Tax Year 2026-27 (Income Tax Act, 2025; earlier styled FY 2026-27 / AY 2027-28) ke rules ke tehat, entered assumptions ke aadhar par is calculation mein new regime kam illustrated tax dikhata hai, ₹1,17,000 ke difference se. Yeh complete tax liability nahi hai — yeh engine surcharge calculate nahi karta, jo higher income par apply ho sakta hai.
Income ya deductions badal ke dekhiye ki comparison kaise change hota hai — apni real situation ke liye hamesha tax professional ya Income Tax Department se confirm karein.
Learn about this calculator
Aapke dwara entered income aur deductions ke liye, old aur new tax regimes ke tehat illustrated income tax compare karta hai.
New regime generally kam slab rates apply karta hai lekin zyadatar deductions aur exemptions (jaise 80C, HRA, home loan interest) allow nahi karta. Old regime higher slab rates use karta hai lekin aapko pehle taxable income kam karne deta hai. Yeh calculator dono illustrated figures side by side dikhata hai.
Yeh kaise kaam karta hai
Yeh dono regimes ke liye slabs, Section 87A rebate, standard deduction (jahan salaried), aur 4% cess apply karta hai, saath hi age ke aadhar par old regime ki senior/super-senior citizen exemptions, dikhaye gaye financial year ke liye is engine ke rules ke implementation use karte hue.
Har input ka matlab kya hai
- Gross annual income
- Kisi bhi deduction se pehle, per year total income.
- Kya aap salaried hain?
- Yeh determine karta hai ki standard deduction dono regimes mein apply hota hai ya nahi.
- Total deductions (old regime only)
- 80C, 80D, HRA, home loan interest, etc. ka combined total — new regime ke liye use nahi hota.
- Age
- Sirf old regime ki senior citizen exemption ko affect karti hai.
Results ka matlab kya hai
- Illustrated tax — new/old regime
- Entered inputs ke liye yeh calculation har regime ke tehat jo tax dikhati hai.
- Difference based on these inputs
- In specific numbers ke tehat kaunsa regime kam illustrated tax dikhata hai, aur kitna.
Assumptions
- Entered deductions ka figure poori tarah eligible aur accurately totalled maana jaata hai — yeh tool kisi bhi individual deduction ki eligibility verify nahi karta.
Limitations
- Yeh calculator surcharge ko model nahi karta, jo current law ke tehat ₹50 lakh se zyada real taxable income par apply hota hai — higher incomes ke liye, actual tax yahan dikhaye gaye figures se alag hoga aur likely zyada hoga.
- Yeh special-rate income (jaise alag tarike se taxed capital gains), real rent aur salary components se calculate ki gayi HRA, ya yahan listed se aage kisi bhi circumstance-specific rule ko model nahi karta.
- Yeh har taxpayer ke liye complete tax liability nahi hai, aur yeh tool aapko yeh nahi batata ki kaunsa regime choose karna hai.
Aam galtiyan
- Yeh maan lena ki yahan "lower" dikhaya gaya regime automatically sahi choice hai — sahi choice un factors par depend kar sakti hai jinhe yeh calculator model nahi karta.
- Yeh bhool jaana ki surcharge exclude hai, jo jitni zyada income hogi utna zyada matter karta hai.
FAQ
Mujhe kaunsa regime choose karna chahiye?
Yeh tool aapko yeh nahi batata ki kaunsa choose karna hai — yeh entered numbers ke liye har regime ke tehat illustrated tax dikhata hai. Tax professional se baat karne par vichar karein.
Kya isme higher income ke liye surcharge shamil hai?
Nahi. Yeh calculator surcharge ko model nahi karta, jo current law ke tehat ₹50 lakh se zyada real taxable income par apply hota hai.
Apni exact liability ke liye, tax professional ya official Income Tax Department resources se apni position confirm karein.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.