FY 2026-27 (AY 2027-28)
Old vs New Tax Regime Comparator
Compares your tax under both regimes using this year's slabs, the Section 87A rebate, and marginal relief, so you can see which one actually saves you more.
Standard deduction (₹50,000 old regime / ₹75,000 new regime) is applied automatically — enter your income before that.
PF, ELSS, life insurance, etc. Capped at ₹1,50,000 by law — entering more won't change the result.
Health insurance premiums. Typical caps are ₹25,000 (self, under 60) up to ₹1,00,000 (self + senior citizen parents) — enter your actual eligible amount.
Only available under the old regime. Not sure what to enter? Work it out on the HRA exemption calculator first, then enter the annual figure here.
Regime Comparison
REGIME COMPARISONRECOMMENDED REGIME
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Enter your income above to compare.
Includes the Section 87A rebate and marginal relief for both regimes — new regime: nil tax up to ₹12,00,000 taxable; old regime: nil tax up to ₹5,00,000 taxable.
Frequently asked questions
What is marginal relief, and why does it matter?
Without it, earning ₹1 over the rebate threshold (₹12L new regime, ₹5L old regime) would mean losing the entire rebate at once — a tax "cliff." Marginal relief caps your tax at just the amount your income exceeds the threshold by, so crossing it by a small margin never costs you more than that margin.
Why can't I enter an income above ₹50,00,000?
Above ₹50 lakh, a surcharge applies on top of the slab tax in both regimes, with different rules and caps by regime. This calculator doesn't model that, so it deliberately stops rather than show you an understated number.
Can I claim 80C, 80D, and HRA under the new regime?
No. These deductions are only available under the old regime, which is exactly why they're only factored into the old-regime side of this comparison — the new regime relies on its higher standard deduction and lower slab rates instead.