Tax Liability Calculator
Compare old and new regime tax as you type. Standard deduction, rebate, and 4% cess are applied for you.
Which regime costs less?
FY 2026-27 estimate. New regime is the default. Old regime only wins with real deductions.
1. You
Age and residency
Status
Rebate under 87A is only for residents.
Age (old regime slabs)
2. Income
What you earned this year
Before the ₹50,000 / ₹75,000 standard deduction.
Net profit after expenses.
Net figure. A loss can be negative. Old regime sets off up to ₹2 lakh.
FD interest, savings interest, side income.
3. Old regime deductions
Claims the new regime drops
Section 80C (cap ₹1.5 lakh)
Cap ₹50,000. On top of 80C.
Self-occupied cap ₹2 lakh. Skip if already inside house property.
Often ₹25,000, or ₹50,000 if a parent is a senior.
Old regime only. Leave 0 if salary is already after HRA.
4. Result
New regime
Old regime
₹1,17,000
9.8% of gross income
New regime
Lower tax₹0
0.0% of gross income
New regime saves ₹1,17,000
About ₹9,750 a month. Standard deduction is already in: ₹50,000 old, ₹75,000 new, when you have salary.
Old regime would match or beat this if you can claim about ₹5,00,000 more (80C, NPS, 80D, HRA, or 24(b)).
Surcharge above ₹50 lakh is shown without marginal relief. This is a guide, not a filed return.
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