FY 2025-26 (AY 2026-27) · New Regime vs Old Regime · Instant results with all deductions
Old regime: enter your deductions below (in ₹)
| Income Slab | Tax Rate |
|---|---|
| Up to ₹3,00,000 | Nil |
| ₹3,00,001 – ₹7,00,000 | 5% |
| ₹7,00,001 – ₹10,00,000 | 10% |
| ₹10,00,001 – ₹12,00,000 | 15% |
| ₹12,00,001 – ₹15,00,000 | 20% |
| Above ₹15,00,000 | 30% |
+ 4% Health & Education Cess | Standard Deduction: ₹75,000 | Rebate 87A: No tax up to ₹12L income
| Income Slab (Below 60) | Tax Rate |
|---|---|
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Senior (60+): Basic exemption ₹3L | Super Senior (80+): ₹5L | Rebate 87A if income ≤ ₹5L
| Feature | New Regime (Default) | Old Regime |
|---|---|---|
| Standard Deduction | ✅ ₹75,000 | ✅ ₹50,000 |
| Section 80C (₹1.5L) | ❌ Not allowed | ✅ Allowed |
| HRA Exemption | ❌ Not allowed | ✅ Allowed |
| Home Loan Interest (24b) | ❌ Not allowed | ✅ ₹2L limit |
| Health Insurance (80D) | ❌ Not allowed | ✅ ₹25,000 |
| NPS (80CCD 1B) | ✅ ₹50,000 allowed | ✅ ₹50,000 allowed |
| Rebate 87A | ✅ Up to ₹12L — nil tax | ✅ Up to ₹5L — nil tax |
| Tax Rate (peak) | 30% above ₹15L | 30% above ₹10L |
| Best for | Low deductions, income ≤ ₹12L | High deductions (HRA + 80C + loan) |
Our experts will calculate both options for your exact income, investments and deductions — and file the one that gives you maximum savings.