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ICAI Firm Reg No. 016835S+91 97033 11757
Compare old and new tax regime for FY 2025-26 (AY 2026-27). See which saves you more.
Salary + business + other income before deductions
PPF, ELSS, life insurance, etc. Max ₹1.5L
Health insurance premium
Calculated HRA exemption if you pay rent
Section 24(b), max ₹3.5L for self-occupied
80CCD(1B), 80E, 80G, etc.
Indicative result. Final figures may differ based on specific facts.
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The exact formula, statutory references and edge-cases used to compute your result. Reviewed by CA Ankita Jainik Soni.
New regime (Section 115BAC): 0% up to ₹3L, 5% on ₹3L–₹7L, 10% on ₹7L–₹10L, 15% on ₹10L–₹12L, 20% on ₹12L–₹15L, and 30% above ₹15L. Old regime (default): 0% up to ₹2.5L, 5% on ₹2.5L–₹5L, 20% on ₹5L–₹10L, 30% above ₹10L.
If taxable income ≤ ₹7L (new regime) or ₹5L (old regime), the entire income tax is rebated to zero. Marginal relief applies for incomes slightly above the threshold — tax cannot exceed the excess of income over the threshold.
10% surcharge on income between ₹50L–₹1Cr; 15% on ₹1Cr–₹2Cr; 25% on ₹2Cr–₹5Cr (old regime 37% above ₹5Cr; new regime caps at 25%). Surcharge is on income tax before cess; cess is 4% on (tax + surcharge).
STCG (Section 111A) is added to normal income and taxed at slab rates. LTCG on listed equity (Section 112A) at 12.5% above ₹1.25L without indexation. LTCG on other assets at 12.5% with CII indexation. Surcharge on LTCG is capped at 15%.
Standard deduction of ₹75,000 (new) / ₹50,000 (old) is allowed on salary/pension income. Rebate u/s 87A fully covers tax up to ₹7L (new) / ₹5L (old) — see assumptions for the full list of deductions available in each regime.
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Last updated: 21 June 2026 · Last reviewed by CA Ankita Jainik Soni · Indicative results only