Which regime costs you less this year, and by how much
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 18 Oct 2026.The new regime has lower rates but almost no deductions; the old regime has higher rates and lets you claim rent, 80C, health insurance and home loan interest. Put your salary and your real deductions in here and both answers appear together, with the slab-by-slab working and the difference in rupees for the year and for each month.
Salary is taken as the full amount before tax, and the employer's NPS contribution is assumed to be within the limit the law allows (10% of basic and DA in the old regime, 14% in the new). Capital gains, business income and relief under sections 89 and 90 are not included.
Estimates for information only, not financial advice. Slabs, rebate, surcharge and cess for FY 2026-27 (AY 2027-28) under the Income-tax Act, 2025, reviewed on 18 Oct 2026. Confirm with the Income Tax Department before you file.
| Item | Old regime | New regime |
|---|---|---|
| Gross total income | ₹15,00,000 | ₹15,00,000 |
| Standard deduction | ₹50,000 | ₹75,000 |
| HRA exemption | ₹2,40,000 | ₹0 |
| Professional tax | ₹2,500 | ₹0 |
| Section 80C | ₹1,50,000 | ₹0 |
| Section 80D, health insurance | ₹25,000 | ₹0 |
| Total deductions | ₹4,67,500 | ₹75,000 |
| Taxable income | ₹10,32,500 | ₹14,25,000 |
| Tax before rebate | ₹1,22,250 | ₹93,750 |
| Rebate | ₹0 | ₹0 |
| Surcharge | ₹0 | ₹0 |
| Cess | ₹4,890 | ₹3,750 |
| Total tax for the year | ₹1,27,140 | ₹97,500 |
| Tax each month | ₹10,595 | ₹8,125 |
FY 2026-27 and FY 2025-26 · Rates and rules read from the sources listed on this page (the earliest on 18 Oct 2026); they may have changed since.
Set your Salary for the year; the page opens on 15 lakh.
Enter what you claim under Section 80C, 80D and HRA exemption.
Turn on More deductions for home loan interest, professional tax or employer NPS.
Read which regime saves you more and by how much, then open Side by side for the line-by-line comparison.
Which regime costs less depends entirely on how much you actually claim.
This income tax calculator works out what a salaried person in India pays under the old regime and the new regime at once, says which costs less and by how much, and shows the slab-by-slab working for both.
Sources: Income Tax Department slab tables, surcharge rates, cess and rebate for salaried individuals at incometax.gov.in. Rates reviewed on 18 October 2026. Estimates for information only, not financial advice.
The rest of the article, and all 7 questions about India Income Tax Calculator, are on the India Income Tax Calculator page.
The answer turns on how much you actually claim. The new regime has wider slabs and a 75,000 standard deduction but almost no other deductions; the old regime allows HRA, 80C up to 1,50,000, 80D and home loan interest, and wins only when those come to a large share of your pay. Enter your figures and both totals appear side by side. Estimates only, not financial advice.
In the new regime, taxable income up to 12,00,000 pays nothing because the rebate cancels the tax. A salaried person gets a standard deduction of 75,000 on top, so a salary of 12,75,000 with no other income comes to zero tax. Above that line the rebate shrinks and then stops.
Surcharge is an extra percentage charged on the tax itself once taxable income passes 50,00,000, 1,00,00,000 or 2,00,00,000 (and 5,00,00,000 in the old regime). Marginal relief stops the jump costing more than the extra income: tax plus surcharge can never exceed what you would pay at the threshold plus the income above it.
Income tax nikale: enter your salary and your deductions, and both regimes are worked out side by side, slab by slab, with rebate, surcharge, marginal relief and 4% cess. In the new regime taxable income up to 12,00,000 pays nothing. Capital gains and business income are not covered. Rates were reviewed on 18 October 2026.
Rates and rules change; check the source before you rely on a figure.
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