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Compare old and new tax regime for FY 2025-26 (AY 2026-27). See which saves you more.
We'll instantly compare both tax regimes and show which saves you more.
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Detailed methodology
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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.
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What we assume
What these numbers can and can't tell you.
FY 2025-26 slabs, rebate 87A, surcharge, and cess.
Sections 80C / 80D / 80CCD(1B), HRA, and home-loan interest.
Heads up. For situations involving international income, business income, or capital gains, always cross-check with a qualified Chartered Accountant before acting on these numbers.
If taxable income ≤ ₹12L (new regime) or ₹5L (old regime), the rebate caps tax liability at ₹60,000 (new) or ₹12,500 (old). For incomes where the natural slab-rate tax is below the cap, tax becomes NIL; for incomes above ₹12L (new) / ₹5L (old), no rebate applies.
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 on listed equity where STT is paid (Section 111A) is 20%; other STCG 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 property / gold / unlisted shares at 12.5% with CII indexation. LTCG on debt mutual funds sold after 1-Apr-2023 is taxed at slab rate irrespective of holding period. Surcharge on listed-equity LTCG is capped at 15%.
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