Compare your tax under the new and old regimes for FY 2026-27 (AY 2027-28). Enter your income and deductions to see which regime saves you more. The calculation includes the rebate, surcharge with marginal relief, and 4% cess.
Your income
Deductions (old regime only)
Allowed in both regimes
New regime Better
Old regime Better
Tax slabs used (FY 2026-27)
| New regime – income | 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 – income | Rate |
|---|---|
| Up to 2.5 lakh (3 lakh at 60+, 5 lakh at 80+) | Nil |
| Up to 5 lakh | 5% |
| 5 – 10 lakh | 20% |
| Above 10 lakh | 30% |
New regime: standard deduction Rs. 75,000 and rebate up to Rs. 60,000, so there is no tax up to Rs. 12 lakh taxable income, with marginal relief just above it. Old regime: standard deduction Rs. 50,000 and rebate up to Rs. 12,500 for taxable income up to Rs. 5 lakh. Surcharge is 10% above Rs. 50 lakh, 15% above Rs. 1 crore and 25% above Rs. 2 crore; the old regime adds 37% above Rs. 5 crore. Health and education cess is 4%.
Estimate for resident individuals with income taxed at normal slab rates. Capital gains and other special-rate income are not included. The rebate under section 87A is not available against special-rate income. Please verify the figures with a professional before filing.