India income tax calculator: old vs new regime

Enter your yearly income and deductions. See your tax under both regimes, side by side, and which one saves you more. Everything runs in your browser; nothing is uploaded.

Your details

Annual gross income (₹) Age group I'm salaried (standard deduction) Employer NPS contribution (80CCD(2), both regimes)

Old regime deductions

80C: EPF, PPF, ELSS, life insurance (max ₹1,50,000) NPS extra, 80CCD(1B) (max ₹50,000) Health insurance, self and family (80D) Health insurance, parents (80D) Parents are 60 or older Home loan interest, 24(b) (max ₹2,00,000) Other deductions (80E, 80G, etc.)

HRA exemption (old regime)

Basic salary, yearly HRA received, yearly Rent paid, yearly Metro city (Delhi, Mumbai, Kolkata, Chennai)

Estimates for resident individuals with salary or business income. Capital gains, special-rate income and advance-tax interest are not included. Check with a chartered accountant or the Income Tax Department before filing.

Common questions

Which regime is the default in FY 2026-27?

The new regime is the default. You can still opt for the old regime if your deductions make it cheaper.

Is income up to ₹12 lakh really tax free?

Under the new regime, a Section 87A rebate of up to ₹60,000 makes taxable income up to ₹12 lakh tax free. With the ₹75,000 standard deduction, that is a salary of about ₹12.75 lakh.

Which deductions work in the new regime?

Mainly the standard deduction and the employer's NPS contribution. 80C, 80D, HRA and home loan interest on a self-occupied home are old-regime deductions.