Income tax: new vs old regime
Which regime is cheaper for you this year, with every deduction you can claim under the old one entered as an input.
Salary or business income before any deduction
You are
Old-regime deductions (only the old regime uses these)
Capped at ₹1,50,000
Capped at ₹2,00,000 for a self-occupied house
FY 2025-26 (AY 2026-27)
New regime saves ₹1,05,300
New regime
₹97,500
Deductions₹75,000
Taxable₹14,25,000
Slab tax₹93,750
Cess 4%₹3,750
Old regime
₹2,02,800
Deductions₹2,25,000
Taxable₹12,75,000
Slab tax₹1,95,000
Cess 4%₹7,800
Indicative, for an individual under 60. Slabs are the Finance Act 2025 figures for FY 2025-26 (AY 2026-27); capital gains, senior-citizen slabs and relief under section 89 are not modelled. Confirm with a CA before choosing a regime.
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