Income Tax Calculator (Old vs New Regime)
FY 2025-26 (AY 2026-27). Side-by-side comparison so you know exactly which regime saves you the most.
Inputs
Your result
Picking the new regime saves you ₹19,760 this year vs the alternative. That's 1.3% of your gross income, claimed legally and on time.
- Old regime tax
- ₹1.5 lakh
- New regime tax
- ₹1.3 lakh
- Old regime taxable
- ₹11.05 lakh
- New regime taxable
- ₹14.25 lakh
If you SIP'd the ₹19,760 saved every year at 12%
₹16.45 lakh
Over 20 years. A single regime choice, compounded for two decades.
The 30-second rule of thumb
If your total deductions in the old regime (80C + 80D + HRA exempt + home-loan interest + 80CCD(1B) + standard deduction) add up to more than ₹3.75 lakh, the old regime almost certainly wins. Below ₹2 lakh in deductions, the new regime wins. In between, run the calculator — it's why this exists.
The ₹50,000 nobody talks about: 80CCD(1B)
Section 80CCD(1B) gives you an extra ₹50,000 deduction for NPS contributions, on top of the ₹1.5 lakh 80C limit. It's the most-missed tax saving in Indian salaried income because employers don't auto-enrol you. If you're in the 30% bracket and you contribute ₹50k to NPS, you save ₹15,600 in tax that year — guaranteed return on a forced investment.
What this calculator does NOT include
- Capital gains (separate slabs). Use the Capital Gains Calculator.
- Surcharge on income above ₹50 lakh (10-37% additional, depending on bracket).
- State professional tax (₹2,400/year in most states).
- Rebates for specific cases like 80EE/80EEA (first-time home buyers).