Old vs New Tax Regime Calculator FY 2026-27

Enter your salary and deductions once to see the tax under both regimes side by side.

Gross annual salary / income

₹

Section 123 (old 80C): PF, PPF, ELSS, LIC…

₹

Capped at ₹1,50,000.

Section 126 (old 80D): health insurance

₹

HRA exemption

₹

Use the HRA calculator to find this.

Home-loan interest — sec 22 (old 24(b))

₹

Self-occupied: capped at ₹2,00,000.

Own NPS — sec 124(3) (old 80CCD(1B))

₹

Capped at ₹50,000.

Other old-regime deductions (old 80E, 80G, 80TTA…)

₹

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📘 Read the full guide: Income Tax Slabs FY 2026-27 — New and Old Regime Explained →

How to use the Old vs New Tax Regime Calculator FY 2026-27

Enter your gross salary for the year.
Enter each deduction you can actually claim — they only count in the old regime.
Compare the two tax figures; the highlighted line tells you which regime is cheaper and by how much.
The last line shows the total deductions at which the old regime would start to win.

Formula used

New regime — section 202 (old 115BAC): taxable = income − ₹75,000; slabs 0–4L nil, 5% to 8L, 10% to 12L, 15% to 16L, 20% to 20L, 25% to 24L, 30% above; nil tax up to ₹12L via the section 156 rebate (old 87A).

Old regime: taxable = income − ₹50,000 − deductions; slabs 0–2.5L nil, 5% to 5L, 20% to 10L, 30% above; section 156 rebate (old 87A) up to ₹12,500 if taxable ≤ ₹5L.

Both: surcharge above ₹50L with marginal relief, plus 4% cess. FY 2026-27 rates are unchanged from FY 2025-26.

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Old vs New Tax Regime Calculator FY 2026-27 — FAQs

Which tax regime is better for FY 2026-27?▾

For most salaried people the new regime is cheaper, because income up to ₹12.75 lakh is tax-free and the slabs are wider; the Finance Act, 2026 kept the FY 2025-26 rates. The old regime can still win if you claim large deductions such as home-loan interest, the full section 123 (old 80C) limit, section 126 (old 80D), HRA and NPS.

Can I switch between regimes every year?▾

Salaried individuals without business income can choose each year when filing the return. Those with business income must opt for the old regime by the return due date; the choice then continues for later years and can be withdrawn only once (section 202(4) of the Income-tax Act, 2025).

Is HRA allowed in the new regime?▾

No. HRA, section 123 (old 80C), section 126 (old 80D) and home-loan interest on a self-occupied house are available only in the old regime.

What is the break-even deduction?▾

It is the total of deductions (excluding the standard deduction) above which the old regime gives lower tax than the new one for your income.

How to use the Old vs New Tax Regime Calculator FY 2026-27

Formula used

Old vs New Tax Regime Calculator FY 2026-27 — FAQs

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