Calculator · Income Tax
Old vs new regime — see which costs you less.
Updated with Budget 2025 new-regime slabs and the expanded 87A rebate (effective FY 2025-26 / AY 2026-27). Indicative only; your final tax depends on the exact mix of income heads.
Your inputs
Individual · Resident · Below 60
Financial year
New regime uses a fixed standard deduction of ₹75,000 and does not allow 80C / 80D / HRA / 24(b). Deductions you enter above only affect the old regime number.
New regime (default)
Better₹97,500
- Taxable income: ₹14,25,000
- Rebate u/s 87A: ₹0
- Surcharge + cess: ₹3,750
Old regime
₹2,02,800
- Taxable income: ₹12,75,000
- Total deductions: ₹2,25,000
- Rebate u/s 87A: ₹0
- Surcharge + cess: ₹7,800
Our read
For FY 2026-27, the new regime is cheaper by about ₹1,05,300. This is indicative — we confirm before filing on the portal. Rebate limits: ₹12,500 up to ₹5 lakh (old), full tax up to ₹12 lakh (new, FY 2025-26).
Talk to a real advisor.
Flat quote before we start. No obligation.