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Compare your income tax under the old and new regimes for FY 2026-27 (AY 2027-28), with deductions, rebate, surcharge and cess.
Income (FY 2026-27)
After exempt allowances. Standard deduction is applied for you.
Interest, rent, freelance. Not capital gains.
Allowed in both regimes.
Deductions (old regime only)
Capped at ₹1,50,000
Self and parents, up to ₹1 lakh
Up to ₹50,000
Self-occupied, up to ₹2 lakh
Work it out with the HRA calculator
80E, 80G, 80TTA, professional tax…
Your tax
₹97,500
₹8,125 a month · 6.5% of income
₹2,02,800
₹16,900 a month · 13.5% of income
The new regime saves you ₹1,05,300 a year.
| New regime | Rate |
|---|---|
| Up to ₹4 lakh | Nil |
| ₹4–8 lakh | 5% |
| ₹8–12 lakh | 10% |
| ₹12–16 lakh | 15% |
| ₹16–20 lakh | 20% |
| ₹20–24 lakh | 25% |
| Above ₹24 lakh | 30% |
| Old regime | Rate |
|---|---|
| Up to ₹2.5 lakh (₹3L at 60+, ₹5L at 80+) | Nil |
| Up to ₹5 lakh | 5% |
| ₹5–10 lakh | 20% |
| Above ₹10 lakh | 30% |
Results are estimates. Returns are assumed constant, rates and tax rules can change, and your actual numbers will differ. This is not financial or tax advice.