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Income Tax Calculator (Old vs New Regime Optimizer)
FY 2026-27 - not just tax numbers: clear verdict + personalized “how to pay less tax” suggestions.
Income Details
Deductions (Old Regime)
Optional
Regime Selection
Compare Both (Recommended)
Get best regime verdict
New Regime
Lower rates, fewer deductions
Old Regime
Higher rates, claim deductions
Your Tax Optimization Summary
Tax payable, in-hand, effective rate, and recommendation
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Enter your annual salary to compare old vs new regime and see how to save more tax.
Which Tax Regime Is Better for You?
If your deductions are low, New Regime is often better due to lower slab rates and the 75,000 standard deduction. If your deductions are high (80C, HRA, 80D and others), Old Regime can save more tax. This calculator checks both and gives a clear verdict with monthly impact.
Frequently Asked Questions
Yes. Choose “Compare Both” and the calculator instantly tells you which regime saves more tax and by how much per month.
Yes. The “How To Pay Less Tax” section gives personalized suggestions like how much additional 80C can reduce your tax bill in your case.
No. The ₹12 lakh tax-free benefit applies only via Section 87A rebate for incomes up to ₹12 lakh under the new regime. Once your taxable income exceeds ₹12 lakh, the rebate does not apply and full slab-rate tax is charged on the entire amount. Enter your salary above to see your exact liability.