Income Tax Calculator (Old vs New)
Compare your income tax under the old and new regimes for FY 2025-26 (AY 2026-27) — then see what investing the difference could grow to. Salaried, transparent slabs, no login.
Total salary income before any deductions
₹
80C, 80D, HRA, home-loan interest, etc. (used for old regime only)
₹
Return assumption if you invest the tax you save (% p.a.)
%
How long you keep redirecting the annual saving
yr
Lower tax under the
New regime
Saves ₹1,13,100/year vs the other regime
New regime
₹97,500
6.5% effective
Old regime
₹2,10,600
14.0% effective
Invest that ₹1,13,100/yr for 20 years
₹94,16,969
at 12% CAGR — the real cost of picking the wrong regime
FY 2025-26 (AY 2026-27) slabs, salaried standard deduction applied automatically (₹75k new / ₹50k old), §87A rebate and 4% cess included. Estimate for comparison — not tax advice. Surcharge and marginal relief are approximated near thresholds.
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