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Tax & salary calculators · free

Income Tax Calculator FY 2026-27 (New vs Old Regime)

Compare your tax under the new and old regimes for FY 2026-27. Budget 2026 kept the slabs unchanged: no tax up to ₹12 lakh under the new regime (₹12.75 lakh for salaried).

  • Instant results
  • No signup
  • Remembers your inputs
  • Rates checked Oct 2026

How the income tax calculator works

New regime: nil to ₹4L, 5% to ₹8L, 10% to ₹12L, 15% to ₹16L, 20% to ₹20L, 25% to ₹24L, 30% above. Rebate makes tax nil up to ₹12L taxable income. Old regime: nil to ₹2.5L, 5% to ₹5L, 20% to ₹10L, 30% above, rebate to ₹5L. Plus 4% cess.

How to use it

  1. Move the sliders or type exact figures — results update as you go.
  2. Read the highlighted result first, then the breakdown and chart.
  3. Open the year-by-year table to plan ahead, or copy the result into your notes.

Frequently asked questions

Which regime is better for me?

The new regime is better for most people without large deductions. The old regime can win if your 80C, 80D, HRA and home loan deductions are large. The calculator compares both.

What is the standard deduction?

₹75,000 under the new regime and ₹50,000 under the old regime, for salaried individuals and pensioners.

Does this include surcharge?

Yes, at the basic rates for incomes above ₹50 lakh. It does not apply marginal relief on surcharge, special-rate income such as capital gains, or senior-citizen exemptions under the old regime. Confirm with a CA for those.

Results are estimates for planning, not financial, tax or investment advice. Rates and rules change — confirm with your bank, the scheme's official notice or a CA. Last reviewed 13 October 2026.

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