About This Tool
This calculator helps salaried individuals in India decide whether the New Tax Regime or the Old Tax Regime results in a lower tax liability for FY 2025-26 and FY 2026-27. Budget 2026 made no changes to slab rates, so both financial years use identical calculations.
Enter your annual gross salary and your common deductions under the Old Regime — such as Section 80C investments, health insurance under 80D, HRA exemption, home loan interest, and NPS contributions. The tool instantly calculates your tax under both regimes and tells you which one saves more money and by how much.
The premium unlock (Rs.49, one time) adds a slab-by-slab tax breakdown, a 12-month TDS calendar from April to March, a deduction optimizer showing how much more you can invest to reduce tax, a breakeven calculator showing the exact deduction threshold where the Old Regime becomes worthwhile, and a plain-English summary of your tax situation.
All calculations are based on official slab rates published by the Income Tax Department of India. This tool covers salaried individuals below 60 years of age with salary income only. It does not cover capital gains, business income, or senior citizen concessions.
Accuracy Disclaimer
This tool is built for informational and planning purposes. While every effort has been made to reflect current tax laws accurately, this calculator is not a substitute for advice from a qualified Chartered Accountant. Tax laws change, individual circumstances vary, and you should verify your final liability before filing. The tool does not account for surcharge on very high incomes above Rs.50 lakh in simplified form, or for special rate income such as capital gains.
Financial Year Coverage
Slab rates confirmed for FY 2025-26 (AY 2026-27) and FY 2026-27 (AY 2027-28). Budget 2026, presented in February 2026, made no changes to income tax slabs, standard deduction, or Section 87A rebate limits. The new Income Tax Act 2025 came into effect from April 1, 2026 but carries forward identical rates.
Contact
For questions or feedback, write to us at: support@taxregimecalc.in
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