Free Tool

Old vs New Regime

Compare your tax under the old and new regimes for FY 2025-26, with rebate, surcharge and cess \u2014 and see which is cheaper.

Your income (FY 2025-26)

Gross total income

Salaried? (standard deduction)

Deductions under OLD regime (80C, 80D, 24(b) etc.)

Age

Basis — Finance Act 2025 (FY 2025-26 / AY 2026-27)

New regime (default, s.115BAC): 0–4L nil, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, above 24L 30%; standard deduction \u20B9 75,000; rebate u/s 87A makes tax nil up to \u20B9 12 lakh taxable.
Old regime: 0–2.5L nil, 2.5–5L 5%, 5–10L 20%, above 10L 30% (exemption 3L for 60–80, 5L for 80+); standard deduction \u20B9 50,000; rebate u/s 87A up to \u20B9 12,500 where taxable income \u2264 5 lakh.
Surcharge (10/15/25/37%, capped at 25% in the new regime) with marginal relief, plus 4% health & education cess, are included. Slabs are unchanged for FY 2026-27.

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Disclaimer: This calculator is a free reference tool based on the provisions cited. Results are indicative and may not cover every special case, surcharge, cess or exemption applicable to your facts. Verify against the bare Act and the latest CBIC/CBDT notifications, and consult a professional before acting. In conformity with the ICAI Website Guidelines.