Old regime or new? Enter your income and see.
Add your income and deductions once. We compute your tax under both regimes side by side, apply the Section 87A rebate, surcharge and cess correctly, and tell you which regime costs less — and by how much. Current for FY 2025-26 and FY 2026-27.
About you
Income
Deductions & exemptions
mostly old regime| Particulars | New regime | Old regime |
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How this is calculated & what it assumes
New regime (default, Sec 115BAC). Slabs: nil up to \u20B94L; 5% \u20B94–8L; 10% \u20B98–12L; 15% \u20B912–16L; 20% \u20B916–20L; 25% \u20B920–24L; 30% above \u20B924L. Standard deduction \u20B975,000. Rebate u/s 87A up to \u20B960,000 makes taxable income up to \u20B912L tax-free, with marginal relief just above \u20B912L. Only the standard deduction and 80CCD(2)/80CCH are allowed.
Old regime. Exemption \u20B92.5L (\u20B93L senior / \u20B95L super-senior); 5% \u20B92.5–5L; 20% \u20B95–10L; 30% above \u20B910L. Standard deduction \u20B950,000. Rebate u/s 87A \u20B912,500 (nil up to \u20B95L). All Chapter VI-A deductions and exemptions apply.
Capital gains are taxed at special rates (STCG 111A 20%, LTCG 112A 12.5% above the \u20B91.25L exemption, other LTCG 12.5%) and are not eligible for the 87A rebate. Surcharge on capital-gains tax is capped at 15%. Health & Education Cess of 4% applies in both regimes. Surcharge marginal relief is applied at each threshold.
What it does not do: carry-forward of losses, clubbing, MAT/AMT, relief u/s 89, foreign-income or DTAA effects, and every edge case of surcharge on mixed income. For high income, capital-gains-heavy, or non-resident cases, please have the figure verified by us before you rely on it.
Important
This is a computation aid, not tax advice or a professional opinion. Results are indicative and depend entirely on the figures you enter. The correct regime and final liability can turn on facts this tool does not capture; please consult us before filing.
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Rates reflect the Finance Act 2025 as retained by Budget 2026 for FY 2025-26 and FY 2026-27. Should the law change, this tool will be updated.