FY 2026-27 · Both Regimes

How Much Tax Are You Overpaying?

Compare Old vs New Tax Regime instantly. See which saves you more — and find your exact tax leakage in 60 seconds.

Old Tax Regime — FY 2026-27
Income RangeRate
Up to ₹2,50,000Nil
₹2,50,001 – ₹5,00,0005%
₹5,00,001 – ₹10,00,00020%
Above ₹10,00,00030%
Standard deduction ₹50,000 · 87A rebate up to ₹12,500 (if taxable ≤ ₹5L) · 80C/NPS/80D deductions allowed · 4% cess
New Tax Regime — FY 2026-27
Income RangeRate
Up to ₹4,00,000Nil
₹4,00,001 – ₹8,00,0005%
₹8,00,001 – ₹12,00,00010%
₹12,00,001 – ₹16,00,00015%
₹16,00,001 – ₹20,00,00020%
₹20,00,001 – ₹24,00,00025%
Above ₹24,00,00030%
Standard deduction ₹75,000 · 87A rebate: zero tax up to ₹12L income · No 80C/NPS/80D · 4% cess

Enter Your Details

Slide to match your numbers. Both regimes calculated live.

₹3 Lakh — ₹50 Lakh

These only apply to Old Regime. New Regime ignores them.

Max deduction: ₹1,50,000
Extra ₹50,000 over 80C limit
Self ₹25k + Parents (senior citizen) ₹50k
Home Loan interest? (Sec 24b)
Max deduction: ₹2,00,000
Receive HRA exemption?
From your payslip / Form 16

Your Tax Analysis

Old Regime
Taxable: —
New Regime
Taxable: —
Your Tax Leakage
Gross Income
Old Regime deductions
New Regime deductions
You are currently in
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FY 2026-27 · Salaried individual · Standard deductions applied (Old: ₹50k, New: ₹75k) · 4% cess included · Section 87A applied where eligible · Surcharge not included for simplicity · This is indicative only, not personalized tax advice.

Why This Matters

Tax Leakage Is Silent Wealth Destruction

₹65k+

Average annual tax overpayment by a ₹12L income earner who is in the wrong regime or missing deductions

₹1.2Cr

What ₹65,000/year saved and invested at 12% returns compounds to over 25 years

2 regimes

Most salaried employees never compare both. The difference can be ₹50,000–₹1,50,000 annually

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AMFI ARN-344268 · IRS PTIN P03472019 · SEBI Compliant · Kurukshetra, Haryana