Compare the old and new tax regime for AY 2026-27
Not sure whether the old or new tax regime saves you more this year? Enter your total income for FY 2025-26 — from all sources such as salary, interest and rent — add your deductions, and this free calculator works out your tax under both regimes, including the standard deduction, Section 87A rebate, 4% cess and your employer's NPS contribution (allowed in both regimes). It then tells you which is cheaper. Everything runs in your browser, so your details never leave your device.
Who uses this tool
Salaried employees deciding whether to stay in the old or switch to the new tax regime, freelancers and self-employed individuals estimating advance tax liability, HR teams helping employees understand their CTC structure.
How to use it
- Enter your annual income (all slab-rate sources), and crypto gains separately if any.
- Pick your age, keep "Salaried" ticked for the standard deduction, and add your employer's NPS contribution.
- Open "Old-regime deductions" to add 80C, 80D, HRA, home loan interest and more, then click Calculate & compare.
Frequently asked questions
Which deductions are allowed in the new regime?
Mainly the ₹75,000 standard deduction and your employer's NPS contribution under 80CCD(2) (up to 14% of basic salary). 80C, 80D, HRA and most others apply only to the old regime.
What income should I enter?
Your total income taxed at slab rates — salary, interest, rental and other income. Crypto/VDA gains go in the separate field (flat 30%); capital gains on shares/property have their own special rates.
Is income up to ₹12 lakh tax-free under the new regime?
Yes — a Section 87A rebate makes taxable income up to ₹12 lakh tax-free, with marginal relief just above. With the ₹75,000 standard deduction, a salaried person earning up to about ₹12.75 lakh pays no tax.
Which regime should I choose?
The new regime has lower rates but few deductions; the old regime wins if you claim large deductions. This tool computes both and shows which saves more.
Is my data sent anywhere?
No. The calculation runs entirely in your browser; nothing you enter is uploaded.