Enter your salary and deductions to see your income tax under both regimes for Tax year 2026-27, which one saves more, and the break-even point: how much you would need to claim in deductions for the old regime to win.
The new regime saves you ₹1,05,300 a year (₹8,775 a month).
The old regime only wins if your deductions (besides the standard deduction) exceed ₹5,43,753. You have entered ₹1,75,000.
New regime
₹97,500
₹8,125 a month, 6.5% of income
Old regime
₹2,02,800
₹16,900 a month, 13.5% of income
New regime slabs (Tax year 2026-27)
Standard deduction: Rs. 75,000 (salary). Rebate up to Rs. 60,000 when taxable income is Rs. 12,00,000 or less, with marginal relief just above it. 4% cess on tax.
Old regime slabs (Tax year 2026-27)
Standard deduction: Rs. 50,000 (salary). Rebate up to Rs. 12,500 when taxable income is Rs. 5,00,000 or less. 4% cess on tax.
For individuals with salary and other slab-rate income. Capital gains and other special-rate income are not included. An estimate, not tax advice.
Both regimes for Tax year 2026-27, with rebate, surcharge and cess.
Enter it as other income (rent after its 30% deduction).
Taxed at separate rates; not included.
Use the CTC calculator for PF, professional tax and monthly in-hand.
CTC to in-hand calculatorSlabs, rebate, marginal relief, surcharge and cess for Tax year 2026-27
Break-even deductions: the amount at which the old regime starts to win
Old-regime deductions with their legal caps: 80C, 80D, HRA, home loan, NPS
Employer NPS counted in both regimes
Age bands for the old regime (below 60, 60-79, 80+)
Full line-by-line working for each regime
Employers ask you to declare a regime for TDS. Check which one costs less first.
You can usually pick the better regime when you file. Compare with your actual deductions.
See whether extra 80C or NPS savings would make the old regime worth it.
Deductions here means everything you claim in the old regime beyond the standard deduction: 80C (including your PF), 80D, HRA exemption, home-loan interest, NPS and others.
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