Income Tax Tool

Old vs New Regime — Which Saves You More?

Enter your income and deductions to compare both regimes for FY 2026-27 (AY 2027-28), with a full slab-by-slab breakdown.

📅 FY 2026-27 · AY 2027-28

Taxpayer Profile

Age category

Primary income type

Income Details

Salary / pension income Gross, before standard deduction

Business / professional income

House property income/loss Net; use minus for loss

Income from other sources

Special-rate capital gains

STCG u/s 111A Listed equity, taxed @20%

LTCG u/s 112A ₹1.25L exempt, 12.5% above

Other LTCG u/s 112 @12.5%, no indexation

Normal-rate capital gains Taxed at slab rate

Deductions & Exemptions Most Chapter VI-A deductions apply only under the Old Regime. Employer NPS is allowed in both.

Section 80C Max ₹1,50,000

Section 80D — medical insurance Auto-capped by age

Section 80CCD(1B) — personal NPS Max ₹50,000

Employer NPS u/s 80CCD(2) Allowed in both regimes

Advanced old-regime deductions

HRA exemption

Housing loan interest Self-occupied cap ₹2L

Section 80E — education loan

Section 80G — donations

Section 80TTA / 80TTB Auto-capped by age

Other Chapter VI-A deductions

Best Regime For You

New Regime

You save

₹0

Old Regime₹0

New Regime₹0

Old taxable

₹0

New taxable

₹0

Detailed Breakdown

Item	Old Regime	New Regime

Estimates only, for resident individuals/HUFs, based on FY 2026-27 slabs. Special-rate capital gains taxed separately, not reduced by Sec 87A rebate under New Regime. Surcharge uses a simplified marginal relief method. This is not tax advice — please consult a qualified Chartered Accountant before filing.

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